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Life Assurance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority

Quite often you hear  ‘it could never happen to me’ or ‘I’ll sort it out later’.

Unfortunately it’s a fact of life that things can happen suddenly that affect the safety and security of those closest to you.  
And we rarely get advance warning that those things are about to occur…

Peace of mind

Making sure your family is looked after and able to cope financially if you were no longer around will give you peace of mind and reassurance for the future.

Keeping loved ones financially secure

Understandably, some people don’t like talking about death or uncertainty. But by addressing the issues now, whilst all is well, you can plan how to help your loved ones when they may need it most.

We appreciate that understanding the differences between various life assurances can be complicated. We can guide you through the process of deciding which types of cover are most appropriate for you and your loved ones.

Life Assurance

Life cover protects your loved ones in the event of your death.

There are a number of different types of life protection policy - we'll help you find the most appropriate one for you and your family to provide peace of mind, should the worst happen.

Critical illness cover

Critical illness can happen at a time we least expect it. More often than not, we think that something as bad as being diagnosed with a critical illness is something that won't happen to us. Sadly statistics tell us otherwise:

1 in 2 people will suffer cancer during their lifetime - Source: Cancer Research UK, 18/05/2023

• There are over 1.3 million stroke survivors in the UK - Source: Stroke Association, 18/05/2023

7.6 million people are living with heart diseases in the UK - Source: British Heart Foundation, 18/05/2023

Critical illness cover is protection for your family in the event of you falling seriously ill.

Income protection

Income protection pays you a regular monthly benefit if you become too ill to work due to illness or injury, so you can continue to meet your financial commitments and living expenses.

Income protection covers 3 million workers in the UK - Source: ABI, 02/02/2023

A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status.

The impact of not servicing monthly interest payments on a Life
time Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate.

For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made.

This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney.

This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority

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