LIFE INSURANCE

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People need life insurance for many different reasons - to cover a debt such as a mortgage - To provide for family in the event of death.

Seems so straight forward but the opportunity for mistakes is enormous. Many things need to be considered before arranging life insurance. Here are a few questions that need answering before you buy your life insurance:

• Is the policy owner to be the same as the life assured?
• Is it better to have a joint life policy or two single life policies?
• Are there any tax implications?
• Should the policy be put in trust?
• Which company is offering the most competitive terms?
• What kind of trust should be used?
• What additional benefits are available?
• Should the policy have an option to convert to another policy type in the future?
• Should the policy have an option to renew regardless of the state of health of the life assured?
• What level of cover is appropriate?

If you are uncertain about any one of these and you need advice. Please call on 01732 881188 or complete the form below.