Life assurance what is it

Life Assurance for Directors

Life Assurance for Directors Are you paying more than you need to for your life insurance? The odds are you have life insurance. What you may not realise is that arranging it via your business using what is known as a Relevant Life policy is more cost-effective than paying for it personally. What is a Relevant Life policy? A Relevant Life policy is tax-efficient life insurance for an individual that is taken out and paid for by their employer. It is treated as legitimate business expenses and therefore could reduce your company’s Corporation Tax liability. This and other features mean that it is of interest to business owners and directors and high-earning employees. What are the...

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Difference Between Life Insurance and Life Assurance, Insurance versus assurance: what is the difference?, Life Insurance Vs. Life Assurance, Difference between insurance and assurance, What Is Life Assurance?, What Is Life Insurance?,

Nowadays taking life insurance policy has become a need for everyone. But till date average man assumes that life insurance and life assurance are names for the same form of insurance. So before going to buy any life assurance or life insurance policy, first of all a person should understand what is life assurance and life insurance policy, and what is the basic difference between them. Life Assurance Assurance means you are insuring for an event that will particularly happen sooner or later – death or retirement. So when you buy “life assurance”, you are arranging for a sum of money to be compensated out on your death. Life Assurance is a mix of investment and insurance...

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Life Assurance Glasgow, Roxburgh

Life Assurance Glasgow | Roxburgh Group How life assurance can help you It’s often overlooked but life assurance can be the most important contract when you’re considering financial planning for an individual or a family. Put simply, a life assurance policy will pay a stated benefit on the holder’s death (sum assured), provided that the death occurs within a specified time period. Which option is right for you? There are lots of options available to make sure you get one that’s right for you and your circumstances. Life assurance is seen as more of an investment product than life insurance, due to the nature of the guaranteed payout. The premium you pay each month will be split, with some...

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Introduction to Life Assurance - Financial advisers, IFAs, mortgage and general insurance brokers in & abc - Cambridge - Chater Allan Financial Services LLP

Introduction to Life Assurance What Is Life Assurance The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners. It can provide the reassurance of financial protection for you, your family and your business associates. A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die. Even if there are no dependants who may be...

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Life Insurance vs Life Assurance -

What is the Difference between Life Insurance and Life Assurance? The terms ‘insurance’ and ‘assurance’ are so easily interchangeable that it seems that the correct usage for each term has been slightly blurred. To clarify any confusion, here are the clear definitions of the two terms: Insurance – Covers you, your belongings, your home or your car etc. in the event that something might happen. This could mean anything from a fire, theft, criminal damage or what insurers like to call ‘Acts of God’, such as floods, hurricanes and other natural disasters. The term insurance is sometimes used to describe a scenario where financial losses are assessed after an event and only then is the amount...

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Elect by Mercer Marsh Benefits

Q: WHAT IS GROUP LIFE ASSURANCE? A: "Group Life Assurance (GLA) is a valuable employee benefit, which can pay a tax free lump sum and/or a longer term income, to an employee's family and dependants if they should die in service. GLA is sometimes referred to as Group Life Insurance, though the industry prefers to use the term Assurance rather than Insurance. They are the same product." Q: WHAT ARE THE BENEFITS OF OFFERING GROUP LIFE INSURANCE? A: Offering life assurance to an employee demonstrates a paternal approach as this benefit will help the member’s family/dependants financially if the member should die whilst in service. Q: WHY CHOOSE ELECT TO PROVIDE LIFE INSURANCE FOR YOUR EMPLOYEES...

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Life Assurance Policies - Life Insurance for Investment,

Life Assurance: Traditional Life Insurance and Investment Linked Life Insurance Policies Traditional life assurance policies in Australia The Australian Life Insurance Industry was once largely made up of traditional permanent plan life assurance policies. While these options may still prove popular for certain business insurance options, Whole of Life plans are no longer offered as personal insurance and have been replaced by Term Life Insurance. There are two main types of traditional policies that were widely used in previous years: Whole of Life Policies: Provide a lump-sum payment upon the insured's death. The policy applicant does not elect the term of cover in comparison to modern...

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Life Assurance Glasgow

Life Assurance, Glasgow We regard arranging life assurance in Glasgow as our most important service. Although some life assurance products can seem quite simple, professional advice is essential – to give you the peace of mind which comes from knowing that you definitely have the cover you need. There is a wide range of policies available to our customers in Glasgow, and we can advise on what is best for you and your family. Life assurance is frequently overpriced, especially by large financial institutions. By consulting a Riverpark Independent adviser, you will ensure that you receive fair value for money. We carefully research the market in order to obtain the most competitive premiums...

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Great British Finance, Life Assurance

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy. This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the...

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What Is Whole of Life Assurance?, McKnight Financial

The value of investments and income from them may go down. You may not get back the original amount invested. Inheritance tax planning and trusts are not regulated by the Financial Conduct Authority. Whole of Life insurance guarantees to pay out in the event of death, whenever it occurs. For a given premium, cover is provided for your whole life. The premium you pay can either be purely for cover in which case it is guaranteed or it could also include an investment element which could provide a cash-in value should the cover no longer be needed in future. How the Insurance Benefits are Paid For A premium is charged based on the cost of providing the cover, the client's age and health...

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