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Inheritance Tax (IHT)

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That’s why life insurance is so important. But having a cash sum to pay off the mortgage or provide your family with an income is only half the story. You can also use life insurance for inheritance tax planning and pass on more to your loved ones.

And it also makes sense to think about what would happen if you suffered a critical illness, such as cancer, heart attack or a major organ transplant, or had an accident that stopped you working for a while. We offer plans that help to protect you and your family in a range of circumstances - plans that will keep safe what's precious to you.

As a sole trader, director of your own limited company or partner in a partnership, we can discuss cost effective ways to protect your business from the financial consequences of death or critical illness.

In case of the unexpected we can suggest the best ways to financially protect shareholders and partners.

Protecting your home with buildings insurance is not just a requirement of mortgage lenders. Nobody wants to pay for a massive loss from fire, storm, flood, burglary or any other disaster from their own pockets. After all, your home is likely to be your most valuable financial asset. You need good all round cover from a reliable company at a competitive premium.

Contents insurance, which is optional, covers your furniture and personal property whether you’re a homeowner or tenant.

We recommend that you protect your mortgage against the risks of accident sickness and redundancy. The absence of cover could result in problems with your repayments leading to issues with your credit scoring next time you want to borrow or, at worst, repossession of the home. The peace of mind of suitable cover is relatively inexpensive.