An essential part of your financial planning

Your Will lets you decide what happens to your money, property and possessions after your death. If you make a Will, you can also make sure you don’t pay more Inheritance Tax than you need to. It’s an essential part of your financial planning. Not only does it set out your wishes, but die without a Will, and your estate will generally be divided according to the rules of intestacy, which may not reflect your wishes. Without one, the State directs who inherits, so your loved ones, relatives, friends and favourite charities may get nothing. Read more…

No one is immune to the risk of illness and accidents

You might think this may not happen to you (and, of course, we hope it doesn’t), but it’s important to recognise that no one is immune to the risk of illness and accidents. Read more…

Minimise the financial impact on you and your loved ones

We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. If the worst does happen, it’s important to make sure you’re financially protected against the impact a critical illness could have on you and your family.  Read more…

Guaranteed financial protection that lasts for the rest of your life

As the name suggests, whole-of-life insurance policies are ongoing policies that pay out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will have to pay out), these policies are more expensive than term assurance policies, which only pay out if you die within a certain time frame. Read more…

The most basic type of life insurance
With term life insurance, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out to your beneficiaries. If you don’t die during the term, the policy doesn’t pay out, and the premiums you’ve paid are not returned to you.  Read more…

Helping dependants to cope financially in the event of your premature death

It may be the case that not everyone needs life insurance (also known as ‘life cover’ and ‘death cover’). But if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death. Read more…