Benefits of having a Will

The following outlines what we believe are the emotional, financial and practical reasons having a Will in place is a good and sensible idea. No one likes to think about death, or linger on the possibility something bad might happen but emotionally the ongoing strain of burying your head in the sand can have long term negative effects on your health and your life. Make the Will and forget about it then so you can […]

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Do I need to make a will?

Why do I need a will? I have been meaning to talk to my solicitor about a will for some time now but don’t really see the need. Sure, my wife will get everything if something happens to me, right? A Will is a vitally important thing to write. But an incorrect, badly drafted or obsolete Will can be a huge headache or even useless. A badly drafted or out-of-date Will can do more damage […]

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3 Top Tips

 

Please take a minute to read our 3 top tips for mortgage protection policies.

 

1.       Most mortgage protection policies are assigned to banks to cover loans from borrowers, but what most people don’t realise is that you don’t have to use the same company that provides the mortgage and you can change the provider at any time, if you can find a better price. There has never been a better time to review your cover. For example one provider is offering to match the lowest price on the market and then give an additional 10% discount for the full term of the policy. Terms and conditions apply.

 

2.      If there are two people on the mortgage, the mortgage protection is normally sold on a joint life first death, decreasing term

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Your Will could be useless or dangerous!

A badly drafted or out-of-date Will can do more damage than no Will at all!

A Will is a vitally important thing to write. But an incorrect, badly drafted or obsolete Will can be a huge headache.

A Will is an expression of your wishes regarding the management and distribution of your estate after you die. It's also a legal declaration in which you appoint one or more adults to manage your estate and transfer your property after your death.

Die 'intestate' (without a Will) and your property, personal possessions and other assets will be distributed according to intestacy law, rather than your personal wishes. Many believe that when they die, their spouse or partner will receive all their wealth and goods. Actually, this is not the case. In fact, without a Will, your assets are distributed according to a strict legal pecking order.

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Inheritance Tax Planning

Inheritance Tax Planning How will your family manage this liability after your death ? Have you made provision for Inheritance Tax ? Inheritance Tax Planning identifies and manages any tax liability in advance and will deliver peace of mind for both you and your family. You can set up a life insurance policy equal to the estimated value of your Inheritance Tax liability and policy proceeds are designed & agreed with Revenue so that they […]

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