We will not use your details for marking purposes. Information is held on a secure server as required under the Data Protection Act 1998
Investment Linked
Investment Linked insurance
With term assurance policies, lower premiums make them an affordable way of helping to protect your family in the event of your death, within the policy term, but there is no guarantee of a payout. Some life insurance policies however, can be effectively used as an investment.
Whole life or endowment policies may provide the beneficiaries with a payout after a fixed period or a death. These payments can be a fixed amount, or in some cases linked to an insurance company's investment performance in the form of with profits policies or unit linked policies.
With profits policies may generate rewards from the valuation of the assets and liabilities of the insurer's life fund, but premiums will be much higher. Unit linked policies link the value of the policy to units in a unitised fund. The units are linked to the underlying value of the fund. The value of the policy can therefore fluctuate depending on the value of the units. The pricing structure and type of fund depends on your insurance company. Many insurance companies now have unitised with-profits funds.
Flexibility to choose your own level of protection and investment.
Ability to vary the amount of your premium payments or coverage based on your own personal financial situation.
Flexibility to choose the type of funds based on your risk aptitude.
Please be aware that in some cases this type of assurance is based on an assessment of the health of the applicant.
THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
Investment Linked insurance
With term assurance policies, lower premiums make them an affordable way of helping to protect your family in the event of your death, within the policy term, but there is no guarantee of a payout. Some life insurance policies however, can be effectively used as an investment.
Whole life or endowment policies may provide the beneficiaries with a payout after a fixed period or a death. These payments can be a fixed amount, or in some cases linked to an insurance company's investment performance in the form of with profits policies or unit linked policies.
With profits policies may generate rewards from the valuation of the assets and liabilities of the insurer's life fund, but premiums will be much higher. Unit linked policies link the value of the policy to units in a unitised fund. The units are linked to the underlying value of the fund. The value of the policy can therefore fluctuate depending on the value of the units. The pricing structure and type of fund depends on your insurance company. Many insurance companies now have unitised with-profits funds.
Flexibility to choose your own level of protection and investment.
Ability to vary the amount of your premium payments or coverage based on your own personal financial situation.
Flexibility to choose the type of funds based on your risk aptitude.
Please be aware that in some cases this type of assurance is based on an assessment of the health of the applicant.
THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser
When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs
Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.
Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions