Key Person / Partner

Have you considered the impact your death, the death of a key employee or business partner would have on your business?

As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial impact that it could have on your family and your business? Would your family stay in the business or would they sell it?

Read More

Who needs life insurance?

We don't need as much life insurance as life insurers would like to sell us! You don't want to buy insurance you don't need. Here's how to figure out whether you need it and how much you need.

To avoid buying life insurance you don't need, ask yourself a simple question:

If I die, will my family or loved ones miss my income or financial support?

That's the key question for most of us. If you can't think of anyone that you care about who depends on you financially or for other support (e.g. in the home), life insurance isn't for you.

Read More

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

Read More

Save up to 40% with Tax efficient life cover.

Chances are you were never informed that you can save up to 40% on your life cover. This is one of the best kept secrets in the insurance world.

We all know taking out Life Cover is a good idea...

But sometimes with all the other demands on your income such as mortgage payments, utility bills, holidays, school fees, the weekly grocery shop... it can be hard to see how to budget for Life Cover. However, there is a solution available that delivers the peace of mind that comes from knowing that these expenses can be covered should you die. In fact, it can cost up to 40% less* than a regular Term Assurance policy.

Read More

New parents

 

Very few first-time parents are taking out or reviewing their life insurance policies. And that could be a terrible mistake.

First-time parents are taking a big gamble, many not taking out life insurance or reviewing their existing protection in preparation for the birth.

What's perhaps most alarming is that it's not simply a matter of cost. In fact, pre-baby spending is up with many admitting they had bought things they don't need or use.

So why is ignoring life insurance such a potentially costly mistake?

Read More

A Special Invitation for you

Here’s A Special Invitation For You These are particularly challenging times in our economy where everyone is looking for the best possible answers and solutions to their protection, investments and financial security requirements. So, here’s a solution that may be of interest to you. It’s an invitation for you to join us for a private financial consultation where we will be pleased to offer you professional advice, without fees and without any commitment on your […]

Read More

Life Insurance

Do I Need Life Cover? Simply put – If someone would suffer financially on your death then you need life cover. Please see below the different categories of people who need life cover.   1. Parents 2. Couples with no children 3. Self Employed 4. Retired 5. Single with no dependents  A) Parents As you know, having a child changes everything. But did you know it also changes your life cover needs? As parents we […]

Read More