Life can be a handful at times, how would you cope if the unthinkable happened? Can your loved ones afford the family finances if you die?
Life insurance can provide a cash lump sum when you die which can be used to remove the financial stress at an unbearable and difficult time for your loved ones. We provide life insurance advice to clients in Digswell.
You may already have life insurance. Did you buy the cheapest life insurance? Cheap life insurance is not always the best life insurance to buy, think about it; would you buy a cheap parachute?
Is your life insurance written in trust? Writing your life insurance in trust is good financial planning - the benefits do not form part of your estate so can be paid out swiftly without having to wait for probate to be granted. Also, as the life insurance pay out is not part of your estate, it is not liable to inheritance tax (IHT).
Some people believe the have life insurance provided by their employer, but sometimes it turns out they only have an accidental death policy, which is not the same thing. Also, are the premiums on your life insurance guaranteed or reviewable? If they're reviewable they may potentially change in the future.
We compare life insurance quotes from a number of insurers to ensure we are getting the best life insurance policy for customers in Digswell. At the same time, we also explore whether you would benefit from obtaining Critical Illness Cover (CIC) and Income Protection Insurance.
We always emphasise the importance of having adequate life insurance cover in case of the unthinkable happening. It is not a pleasant subject, but it is a simple process to provide you and your family with peace of mind that the essentials of life are taken care of.
We offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance and accident, sickness and unemployment insurance. Ask us for a list of insurers we offer insurance from.
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