Hot Topics

What is Life Insurance?: Life Insurance is also known as Term Insurance.
Does Life Insurance have to be associated with a mortgage?: No it does not. Many policies are used to provide additional financial security for the family.
Should you consider Mortgage Life Insurance instead?: Only if you have a Repayment Mortgage and want insurance cover for it.
How long should you insure for?: For mortgage protection purposes you should also insure yourself for the same number of years that are remaining on your mortgage. The initial sum insured should always equal the capital sum outstanding on your mortgage.
Should your policy be written “in Trust”?: We believe that all Life policies should be written “in trust”.

Should your policy be written “in Trust”?

We believe that all Life policies should be written “in trust”.

If you have your policy written “in trust” and you were to die, the proceeds would be paid quickly and directly to the person you intended and will not form part of your taxable estate.

This makes certain that the money from the policy avoids inheritance tax. This could mean a tax saving of 40%. (Incidentally, inheritance tax is not an issue on estates passing between spouses as these are automatically exempt of inheritance tax.)

Frequently Asked Questions related to the above topic.
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Hot Topics

Should your policy be written “in Trust”?

We believe that all Life policies should be written “in trust”.

Frequently Asked Questions related to the above topic. Click below if you wish to read them: -

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -