Tag: protection
Critical Illness Cover – Understanding the importance
A trawl of price comparison sites on the internet in search of critical illness cover providers, revealed over 30 companies in most listings, all offering a variety of critical illness insurance policies. Basically, critical illness cover offers protection to the policy holder (and many policies extend this to other family members) in the event of [...]
Read moreAre you familiar with a Lasting Power of Attorney?
A Lasting Power of Attorney (LPA) gives another individual the legal authority to look after specific aspects of your affairs, should you lose the capacity to do so. There are two types of Lasting Power of Attorney, one relating to health and welfare matters and one about property and financial affairs. When appointing someone to [...]
Read moreTen New Year’s Resolutions for your Financial Planning
Around 50% of us make New Year’s Resolutions and ‘sort the finances out’ must be one of the most popular: but that’s a little vague – it’s more a wish than a firm commitment to take action. Looking at the January appointments we’ve had with new and existing clients, here are the topics that we’ve [...]
Read moreBusiness Protection – Is your Business Covered?
One of the most overlooked areas of financial planning is Business Protection and can mean the difference between the survival of your business and the financial security of your family: Did you know? 96% of businesses do not have Shareholder Protection 95% of businesses have at least one key individual 39% of business owners expect [...]
Read moreWindow of Opportunity to Review Your Protection Needs
From 21st December 2012 changes to the EU Gender Directive means that men and women must pay the same basic premiums. Although life and critical illness cover has traditionally been less expensive for women, these prices are likely to increase. Respectively this means the same for Income Protection policies where men have traditionally paid less [...]
Read morePrivate Medical Insurance – Time to review?
As financial planners it is our role to help our clients to think about their own personal needs, objectives and goals. High on the list for the majority of our clients is to maintain good health in order to allow the continuation of one's desired lifestyle. The ongoing worries surrounding the NHS cut backs and general [...]
Read moreTen New Year’s Resolutions for your Financial Planning
Around 50% of us make New Year’s Resolutions and ‘sort the finances out’ must be one of the most popular: but that’s a little vague – it’s more a wish than a firm commitment to take action. The main subject of many of our January appointments with both new and existing clients seem to have [...]
Read moreFuneral Plans – a practical and sensible thing to do
Ones own funeral would hardly rank among the most appealing topic of conversation for the vast majority of us. Fewer still discuss funeral arrangements with our families, purely because it is such a difficult thing to do for most people. Despite this reluctance, it is surely vital that we plan for the inevitable and so [...]
Read moreHow likely are you to live to 100?
New findings have revealed that 20-year-olds are three times more likely to live to be 100 than those of their grandparents age (80), and almost twice as likely as their parents generation (50-year-olds). Advancements in medicine, as well as improvements to collective lifestyle and diet over the last thirty years have seen a steady and [...]
Read moreDebt: The new addiction
The credit crunch has made life difficult for everyone. Shops are reporting reduced sales, restaurants have fewer bookings and unfortunately, many people are sliding inexorably into debt. With widespread tales of the banks’ current reluctance to lend, it might seem that it’s now difficult to get into debt. But while the traditional providers of loans [...]
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