Life assurance what is it

Life Assurance - Financial advisers, IFAs, mortgage and general insurance brokers in - Melton Mowbray - Mill Lane Asset Management

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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Ronnie Tanner Financial Adviser Life Assurance,Mortgage Protection

Life Assurance/Mortgage Protection Although Life Assurance is sometimes dismissed as an unnecessary luxury, it is vital to have adequate cover to protect your income and your loved ones against the financial impact of illness or premature death. I advise on a range of policies to cover most eventualities. Mortgage Protection Provides for a lump sum payable on death to cover such costs as mortgage repayments. Critical Illness Cover Allows for the payment of a lump sum following diagnosis for a critical illness, sometimes called Specified Illness cover. It is particularly suited to people with dependents, the self-employed and those with outstanding mortgages. Business Cover Allows for the...

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BFS Processes - Beauport Financial Services

Life Assurance 360™ is a goals-based process for designing, implementing, and managing life insurance. The process educates individuals about the trade-offs of life insurance throughout the case design process, provides private underwriting services, and creates a plan for ongoing management. For thousands of years, the architectural maxim has been that all structural designs should strive to possess three essential elements: strength, purpose, and unity. We believe that life insurance, more so than perhaps any other financial instrument, should also be designed to possess those three elements and managed over time in order to continue serving its intended purpose. That is why we developed...

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Group Life Assurance, Irish Life Corporate Business

Group Life Assurance Cover Group Life Cover is life assurance provided by a company for its employees (i.e. the premiums are paid by the employer to cover the employees). It provides a lump sum (and, sometimes, a dependent’s pension benefit) on the death of a member of a scheme. How does Group Life Assurance work? On the death of a scheme member a lump sum is paid to trustees. The trustees pass this along to the member’s estate. There is a maximum amount that can be paid tax free. If selected, an annual dependent’s pension is also paid and taxed as income. The amount is specified at the outset (e.g. a fixed amount or a multiple of salary) and the premiums are paid by the employer. This is...

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Everything you wanted to know about Group Life Assurance, Elect

Apart from the money, are there any other benefits that come with Group Life? Talking about dying can be difficult. It can understandably be emotive and, for some people, a subject to be avoided. But, as the cliché says - like taxes, it’s inevitable. And like taxes, the savvy employer knows that planning for tomorrow can make life simpler today. Here’s all you need to know about making Group Life part of your employee benefits. Group Life is insurance that pays out a tax-free lump sum to an employee’s beneficiary(ies) if that employee dies while the policy is current. You may also hear it called Death in Service, but it’s exactly the same. It’s up to you who you decide to cover, but a...

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What Is Whole Of Life Assurance?, Moscrops Financial Planning

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 situation. There are various types of whole of life insurance: Whole of life With Profits the premium includes an investment element which participates in the insurer’s with profits fund. The investment element can help reduce the effects on inflation but the bonus rate cannot be guaranteed. Once added to the plan the bonus cannot be removed. The cover is suitable for those who wish to provide a tax free lump sum on death, or those who have a potential inheritance tax liability. The cost of the cover is set based on the client’s age and health, and takes...

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Life Assurance Critical Illness Police Clubs Financial

Life Assurance & Critical Illness The least expensive of the Term Assurances, Decreasing Term Assurance does what it says on the label. The level of benefit decreases as the term of the policy runs; the premiums do not however reduce. The premiums are fixed throughout the policy term, and the premium level is lower than that of Level Term Assurance as a result of the decreasing benefit. This type of life assurance is commonly used to protect Capital & Repayment mortgage debt. Typically the policy reduces the protection assuming a Mortgage Interest Rate of 10%. Many are paying mortgage interest at around 5% and, providing interest rates do not go over 10%, the benefit should reduce...

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Introduction to Life Assurance - Mortgage Adviser and Insurance Broker offering Life Assurance, Protection and Mortgage Advice in Bedford - Castle Mortgages (UK)

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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Bob Hope Mortgages, Life Assurance

Life Assurance Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection. 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...

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Saskatchewan River Bungalows Ltd. v Maritime Life Assurance Co., Case Brief Wiki, FANDOM powered by Wikia

FANDOM In 1978, Maritime Life issued an insurance policy on the life of MF to Saskatchewan River Bungalows (SRB). In 1984, ownership of the policy was transferred to Fikowski, who became the beneficiary, with SRB remaining responsible for paying the annual premiums. On July 24, SRB mailed a cheque to pay the annual premium due on July 26, but the cheque was never received by Maritime Life, nor was it deducted from SRB's bank account. After expiry of the grace period on Aug. 26, Maritime Life sent a late payment offer to SRB agreeing to accept payment of the July premium if it was postmarked or received by September 8, but SRB did not respond to the offer. In November, Maritime Life wrote a...

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