Fixed term life assurance

Life Assurance Adviser - Manchester, Liverpool Chester

For personalised advice on life assurance in Liverpool and across the North West, including using this kind of product as an investment, get in touch with Martin Wilcocks. Martin is a highly experienced, award-winning adviser known for his practical and straightforward approach to financial planning. Call him today on 0845 200 4041 to arrange a consultation. Understanding how life assurance could work for you Life assurance is a lifelong policy, unlike fixed-term products like life insurance. It is designed to cover you until you pass away, whether it happens decades in the future or unexpectedly soon. This whole of life cover guarantees a payout at the end of the policy, which can help...

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Relevant Life Cover - Business Protection, LV= Adviser Centre for Intermediaries

Relevant Life Cover (RLC) allows employers to offer a death-in-service benefit to their employees. It’s a tax-efficient life insurance policy, set up by the employer and pays out a tax-free lump sum on the death (or diagnosis of a terminal illness) of the person insured. The proceeds go to the employee's family or financial dependants. This cover might benefit high earning employees who might exceed their personal pension lifetime allowance or have members of group schemes who want to top up their benefits. Setting up cover Relevant Life Cover is arranged on an individual and life-of-another basis with the employer as the policy holder, and the employee as the person insured. Many...

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Protection - Life Assurance - Beaufort Group

Last we week we discussed the need for critical illness cover and this week I wanted to follow on from this and discuss Life Insurance Protection. It is very true that not everyone needs cover. Life insurance, however, for a family with small children, the need for this cover is obvious. If you have dependants, you need to look at the consequences for them if your income were removed. Your income pays for the mortgage or rent, for food, utilities, entertainment, holidays and maybe school and university fees. Without you, the family would need to source an income from elsewhere – which might mean children losing their carer or going out to work rather than entering higher education. Even if...

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Life Assurance, Make the right choice fo you and your family

Life Assurance What is Life Assurance and Why is it Important? Life assurance is a contract between a policy holder and an assurer, where the assurer promises to pay a capital sum on the death of the life assured to a specified beneficiary in exchange for a regular monthly premiums. As you take on more responsibility throughout your life, the need for life assurance increases. Whether you are buying your first property, starting a family or even if you just wish to reduce the financial burden of your death on loved ones, life assurance is an effective and in some cases necessary financial planning tool to help cover the financial burden on your death. Life assurance is a form of insurance...

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Assess your needs before buying long-term life cover

Assess your needs before buying long-term life cover Planning for the death of a spouse, or your own death, is a difficult and somewhat morbid task. Some would say it doesn't bear thinking about but, on the contrary, life-cover planning is essential for your family's future well-being. Without proper planning, the untimely death of a breadwinner can cause tremendous financial difficulty for his or her dependants. "A major source of income will cease but the household expenses will still have to be met," says Mr Roderic Mellotte, director, Coyle Hamilton Ltd. The number and type of life products on offer can be overwhelming. This issue is made more difficult by the various terms used in the...

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Life Assurance Banstead, Financial Services, Life Insurance Advice

Life assurance allows you to make sure your family is protected in the event of your death, during the policy term. You choose the amount of cover you need and the length of time you want to be insured for. Your premiums will never change (unless you change the amount of cover held under the policy or alter the plan), allowing you to budget with confidence. Is Life Cover known under different names? Because Life Assurance is such a varied and flexible product, it can come under a number of different names. Each generally describes the covers aims however some are simply interchangable with Life Assurance: A general term used to mean the same as Life Assurance. The difference is that in the...

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SUN LIFE ASSURANCE COMPANY OF CANADA (U

SUN LIFE FINANCIAL MASTERS FLEX Sun Life Assurance Company of Canada (U.S.) and Sun Life of Canada (U.S.) Variable Account F offer the flexible payment deferred annuity contracts and certificates described in this Prospectus to groups and individuals. You may choose among a number of variable investment options and fixed interest options. The variable options are Sub-Accounts in the Variable Account, each of which invests in shares of one of the following funds (the "Funds"). Large-Cap Value Equity Funds Mid-Cap Growth Equity Funds Franklin Templeton VIP Trust Templeton Foreign Lord Abbett Series Fund Growth Opportunities Franklin Templeton VIP Trust Templeton Growth Small-Cap Value Equity...

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Moneywatch Finance-Types of cover

Mortgage Borrowing Calculator Please enter the income for the first and (if appropriate) second applicants and the maximum borrowing will be calculated YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made. Mortgage Payment Calculator Please enter the requested values, and then the monthly payment will be calculated YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. These figures are...

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Skegness Mortgage Centre-Types of cover

Types of cover Is Life Cover known under different names? Because Life Assurance is such a varied and flexible product, it can come under a number of different names. Each generally describes the covers aims however some are simply interchangable with Life Assurance: A general term used to mean the same as Life Assurance. The difference is that in the insurance world they insure against something which might happen but they assure against some they know definitely will happen at some stage, i.e., death. Mortgage Life Assurance / Mortgage Life Insurance Mortgage Life Assurance is used to protect your mortgage against the risk of you dying and leaving it behind for your family to continue...

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LB Financial Solution, Financial Advisers, Life Assurance

Life Assurance The Financial Conduct Authority does not regulate inheritance tax and trust planning. Tax treatment is based on individual circumstances and may be subject to change in the future. Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change. Life assurance is a very simple policy that pays an amount of money upon your death. Different types of life policy are designed to suit differing circumstances. No one knows what the future holds, but if you were to die, how would your family cope financially? Could they pay the mortgage and other household bills? What about...

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