Life assurance policy

Old Mutual Life Assurance Company Malawi Limited, Company Profiles, Africa Outlook Magazine

Responsible Investment Project Manager: Stuart Parker As a subsidiary of one of the largest financial service companies in Malawi, Old Mutual Life Assurance’s long-term savings, insurance and investment solutions have been a staple in the country for the best part of 80 years, and the Company is showing no signs of loosening its influence within the market moving forward. Opening its first official office later in 1954, the evolution of the Company ever since has been concerted and regionally significant, leading to a key milestone in 1999 which saw the Old Mutual Group demutualised, and the Old Mutual Life Assurance Company Malawi Limited as we know it today, incorporated. “In recent years...

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Numerous types of life insurance policies are available so farmers can plan for the unforeseen - Farming Independent

Numerous types of life insurance policies are available so farmers can plan for the unforeseen In over four decades of practice I have witnessed many of my clients departing to that lush green pasture in the sky. Some left without warning and some gave ample notice. Some had all of their affairs in order and some had none. Some left their successors in good financial circumstances and some left them in an unholy mess. Typically, the unholy mess involved debt or inheritance tax issues, both of which could have been managed if adequate life assurance cover had been in place. Life assurance can be taken out for a wide variety of reasons. It could be to leave things in good order if you make...

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How can I trace my father's life insurance policy?, Money, The Guardian

Q My father took out a life assurance policy with Colonial Mutual in the early 1960s. The policy was due to pay out in December 2002 and he has continued paying premiums over the years. Colonial Mutual demutualised in the late 1990s and part of its operations were taken over by Commonwealth Bank of Australia. I have tried to contact Commonwealth Bank but have had no luck. From the premiums my dad has paid in over the years there should be a fairly substantial lump sum from the policy. Do you have any idea what happened to Colonial Mutual's UK operations? Do you know of anyone we could contact in the UK about the policy? A I'm not surprised you've had difficulties tracing this policy....

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Why Life Assurance is such an Important part of Family Financial Planning - oomph oomph

Why Life Assurance is such an Important part of Family Financial Planning As individuals get older, get married, start families or start businesses family financial planning is important. The need for life assurance becomes more prevalent and it becomes a fundamental and very important part of an individual or family’s financial planning strategy. Importance of Family Financial Planning Family protection Life assurance is so important to protect your family in the event of a premature death of a parent. When both parents are working, life insurance is needed to cover the loss of income if one dies. In the event a parent stays home, life assurance is needed to pay for services looking...

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Gains on Life Assurance Policies (detail)

Gains on Life Assurance Policies (Detail) This section covers the same part of the return as chargeable event certificates. The difference is that this section will compute the gain arising on partial withdrawal or encashment. To do so it requires details of all withdrawals made during the life of the policy. Most 'qualifying' life insurance policies do not give rise to a gain. Do not enter details in such cases. Non-qualifying policies are taxable but only where the taxpayer is subject to higher rate tax. Enter details, even if the taxpayer is not a higher rate tax payer. The Life Assurance company and policy details are entered on the provider record: LIFE COMPANY - enter the name of the...

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How do I pay tax on my life assurance policy?, This is Money

How do I pay tax on my life assurance policy? My husband and I cashed in a joint bond with Prudential in November 2012. The cash value was £167,005.84. The original amount we put in was £150,000. We were invested for five years. The gain was £17,005.84 and the notional tax was £3,402, which was dealt with by Prudential. How do I present this on my self-assessment tax return? We have a ‘chargeable event certificate’, which says we should declare this under ‘gains on UK life insurance policies with notional tax’. It says this will be under the heading of income, but we receive short tax returns. I believe we must fill in form SA108, which is a capital gains summary. Should my husband and I...

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Employer Sponsored Life Plans, Prudential Life Assurance Zambia

Employer-sponsored Life insurance plans are arranged and paid for by businesses on behalf of their employers as part of an employee benefit package. This type of live cover can also be arranged by not-for-profit organizations on behalf of their members. Group Life Assurance Scheme (GLA) A Group Life Assurance Policy provides lump sum death-in-service benefit to the dependants of a deceases employee. The policy is usually employer-sponsored. The level of cover (benefits) is often expressed as a multiple of the employee’s last notified annual salary. The policy may be issued with riders such as disability benefits, critical illness benefits and funeral benefits. Group Life Assurance...

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BDHL, Death in Service, Group Life Assurance, UK, Worldwide

Death in Service, also known as, Group Life Assurance Cover will pay a tax-free lump sum through a discretionary trust to an employee’s nominated beneficiary in the event of an employees death. Two types of Group Life Assurance:- Excepted Group Life – allows for a lump sum benefits to be paid outside of the Lifetime Allowance (LTA) Registered Group Life – provides a tax-free lump sum up to the Lifetime Allowance (LTA) Peace of Mind for the People You Work With While nothing can be done or said that will make the loss of an employee better, as an employer you can put in place cover that will benefit the beneficiary of your employee in the event that they experience a death...

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What happens to pension policies and life assurance policies the deceased held at death?, Low Incomes Tax Reform Group

My spouse or civil partner was receiving the state pension before they died. Is it paid to me now? No, but your own entitlement to the state pension may change. You can read about this on the page Death of a spouse or civil partner. The deceased had deferred their state pension before they died. What happens to it now? Assuming the deceased had not already made a claim to the state pension before they died, if there is no surviving spouse or civil partner, then no lump sum is payable. However, the personal representatives may be able to claim up to three months’ worth of pension, that would form part of the deceased’s estate. On the other hand, if there is a surviving spouse or civil...

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The High Court Upholds Avoidance of Life Assurance Policy

The High Court Upholds Avoidance of Life Assurance Policy For Non-Disclosure of Material Facts on Strength of Proposal Form In the recent decision of Richardson v Financial Services Ombudsman & anor the High Court upheld a finding of the Financial Services Ombudsman (the “FSO”) that an insurer was entitled to avoid a life assurance policy on the grounds of non-disclosure. Significantly the decision of the High Court turned on the strength of the proposal form and serves as a useful reminder to insurers of the importance of a well-drafted proposal form. The life assurance policy in dispute was taken out in 1996 by the claimant's husband, who ultimately died in 2013....

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