No amount of money can ever compensate for the loss of a loved one. However, whilst it cannot ease the pain, cash from a life insurance policy can help with the financial difficulties that can often arise as a result.
A life insurance policy pays out a tax free lump sum if you die during the term of the policy. The amount of life cover can be decreasing if it is to cover a repayment mortgage or level if it is to cover an interest only mortgage. It can also be paid as a tax free regular income rather than a lump sum if there is a need to provide an income for your family on your death rather than to provide a lump sum to pay off a mortgage for example. If it is a single life policy then it can be placed in trust so that on death, the proceeds of the policy are paid directly to your beneficiaries thereby falling outside your estate. This can be beneficial for inheritance tax planning.
After assessing your needs and agreeing a budget, I will obtain illustrations from a number of providers such as Aviva, Aegon, Axa, Legal and General and Zurich to name but a few and I will make a recommendation based on your individual circumstances. Together we will go through full details of the policy that I recommend to ensure you fully understand the policy you are taking out.
If you have suffered health problems in the past and life cover is declined by a mainstream insurer, most people assume that cover is not available anywhere. However I have access to the UK's longest established UK insurer offering financial products for those whose health or lifestyle means that their life expectancy is likely to be reduced.
These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
The Financial Conduct Authority does not regulate inheritance tax planning.
No one likes to consider the possibility of being diagnosed with a critical illness, for example, heart attack, some forms of cancer, stroke etc. Taking out a critical illness policy will give you valuable financial peace of mind when you might need it most so you can relax knowing that you've taken steps to help secure your financial future. Unfortunately a critical illness can strike anyone at any time in their life. If you suffer a critical illness, worrying about money should be the last thing on your mind.
A critical illness policy pays out a tax free lump sum on diagnosis of one of a range of specific illnesses. The amount of critical illness cover can be decreasing if it is to cover a repayment mortgage or level if it is to cover an interest only mortgage. It can also be paid as a tax free regular income rather than a lump sum if there is a need to provide an income for yourself and your family rather than to provide a lump sum to pay off a mortgage for example.
After assessing your needs and agreeing a budget, I will obtain illustrations from the many providers available and I will make a recommendation based on your individual circumstances. Together we will go through full details of the policy that I recommend to ensure you fully understand the policy you are taking out.
Plans may not cover all the definitions of a critical illness. The definitions may vary between product providers and will be described in the key features and policy document if you go ahead with a plan.
If the policy has no investment element then it will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
We all want to live a happy and healthy life and assume that we will always be able to work but have you considered how you would afford to pay your mortgage and bills each month if you were unable to work? How long would your savings last?
If you are unable to work due to illness then an income protection policy can help replace some of your lost income by paying you a regular monthly income. It can provide financial support and help alleviate the financial stress for as long as it takes to get fit enough to return back to work, until you retire or the plan ends.
After assessing your needs and agreeing a budget, I will obtain illustrations from the many providers available and I will make a recommendation based on your individual circumstances. Together we will go through full details of the policy that I recommend to ensure you fully understand the policy you are taking out.
Income Protection plans that have no investment link have no cash in value at any time and will cease at the end of the term. If you stop paying premiums your cover may end.
I have known Danielle for many years and have always been impressed by her knowledge and professionalism. I have no hesitation in recommending her to my clients as she offers an excellent, friendly and personalised service and I also use her services personally
Mr and Mrs Parsonson, Abingdon
We have had the pleasure of using Danielle from Key Financial Solutions on about 25 transactions, over the last few years. She is exceptionally easy to work with, well organised and incrediby good at what she does. In fact, of all the professionals we use for our property business, Danielle is by far the most professional and easy to work with. We have also recommended Danielle to about 10 other people who also sing her praises very highly.
Deanna and Peter, London
Danielle was recommended to me by a friend who had used Key Financial Solutions for many years.
I was looking to buy my first house and had no idea where to begin: the bank had been far from helpful, and I had begun to think I was going to be renting forever!
Danielle made me feel instantly at ease: She was always at the end of the phone or on email, and whenever I needed things explaining in more detail, her door was open and the kettle was on. The whole process of obtaining a mortgage was so smooth, and Danielle always had my best interests at heart. It made perfect sense to me to continue the process with Danielle, who organised life insurance, critical illness cover and buildings and contents insurance for me too.
I would recommend Key Financial Solutions to anybody who wants the stress taken out of finding a mortgage.
I will most definitely be back in touch when I am due to re-mortgage!
K Racki
I would not hesitate to recommend Danielle for mortgage advice. As first time buyers we were so grateful for Danielle's patience, expertise, and clarity - she took the time to visit us at home and talk us through every step of buying a house, above and beyond getting a mortgage agreed. What really impressed me was Danielle's ability and determination to find creative solutions to the seemingly impossible, giving us clear and straight forward advice on what turned into a very complicated mortgage arrangement, allowing us to buy in our dream location. I look forward to working with Danielle again when the time comes!
B Timms
If you would like to know how much you can borrow and how much it will cost you each month or if you are looking to protect your family and would like to consider your life insurance options, then please provide some of your details below and we will contact you to discuss your options.
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