Getting the right insurance is better than getting the cheapest deal. Economic times are hard and everybody wants to get a good price but if that means a policy doesn’t pay a claim then what’s the point? Websites can only scratch the surface when it comes to giving life insurance advice and in fact, most life [...]

Maintenance payments provide essential financial support and can sometimes be the only source of income that is available to cater for the welfare of a young child or children. Because the payments come from an individual they depend on the individual being able to maintain the payments. Unfortunately, circumstances can lead to the individual being [...]

The two main reasons people take out life insurance are: 1/ Family 2/ Mortgage Mortgage life insurance also provides protection for the surviving family. With the mortgage cleared the family can remain in their home without having to struggle to pay the bills on the income of the survivor. If the survivor is a housewife [...]

Is there any benefit in couples each having their own life insurance policy? The simple answer is yes. There is more benefit but it may not be entirely necessary. e.g. Let’s start with Mr. & Mrs. Jones, a mortgage of £100,000 and a life insurance policy for £100,000 over 20 years. If Mr. & Mrs. [...]

Life insurance for inheritance tax can help to ensure your next of kin receive the full value of your estate when you die. Nobody likes paying Tax but it is a fact of life and unfortunately it can also be a fact of death – in the form of Inheritance Tax (IHT) which, is why [...]