This provides income where you are ill or injured, and as a result your income through employment or your normal route stops.
It is designed to replace most of your net income.
Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age). The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable. Reviewable cover normally changes based on the claims experience of the life assurance company.
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
LATEST NEWS
Introductio to our news and events.
Financial Planning for NHS Professionals
NHS pension arrangements can be complex. We explain some of the key areas NHS professionals should consider when planning their financial future.
Inheritance Tax Planning: Where to Start
An introduction to the steps families can consider when reviewing their estate and potential inheritance tax position.
Planning for Retirement With Confidence
The key questions to consider when deciding when to retire and how to fund the lifestyle you want.
Should You Combine Your Pensions?
The potential advantages, disadvantages and important considerations involved in bringing pensions together.
Testimonials
Our clients are at the heart of everything we do. From tailored financial strategies to long-term support, we are proud to have built lasting relationships based on trust, expertise, and real results. Here’s what some of our clients have to say about their experience working with us.
