Long-term care

Posted on September 4, 2017 by - Uncategorized

Finding the money for looking after us if we need care in old age

With the UK’s population ageing, more people will be living with long-term care needs. Oscar Wilde once said: ‘The tragedy of old age is not that one is old, but that one is young.’ But the good news of rising life expectancy also brings with it the challenge of how we fund our future care costs. The question is: who is responsible for looking after us if we need care in old age?

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Private medical insurance

Posted on September 4, 2017 by - Uncategorized

There’s nothing more important in life than your health

Nothing is more important to you than your health and the health of your family. If you or your loved ones were to experience worrying symptoms, private medical insurance can offer reassurance and control at a difficult time.

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Income protection insurance

Posted on September 4, 2017 by - Uncategorized

No one is immune to the risk of illness and accidents

No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance.

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Critical illness cover

Posted on September 4, 2017 by - Uncategorized

Be prepared if life throws something unexpected your way

We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. It can happen to anyone at any time, and it’s easy to feel anxious about how we would cope. But if the worst does happen, it’s important to make sure you’re financially protected against the impact a critical illness could have on you and your family.

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Whole-of-life insurance

Posted on September 4, 2017 by - Uncategorized

A guaranteed tax-free payment whenever you die

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.

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Term life insurance

Posted on September 4, 2017 by - Uncategorized

Protecting your family’s finances by covering living expenses or replacing lost income

With a term life insurance policy, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out to your beneficiaries. If you don’t die during the term, the policy doesn’t pay out, and the premiums you’ve paid are not returned to you.

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Different types of life insurance

Posted on September 4, 2017 by - Uncategorized

Choosing the right type of cover

‘Single life’ policies cover just one person. A ‘joint life’ policy covers two people, and you will need to decide whether the policy pays out on the first or second death, as this will determine when the policy ends.

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Life insurance

Posted on September 4, 2017 by - Uncategorized

Cover for you and your loved ones

It’s understandable that we would rather not think of the time when we’re no longer around. However, it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens.

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Pension time bomb

Posted on July 3, 2017 by - Uncategorized

Planning to prevent the financial equivalent of climate change

Millions of workers across the UK could be heading for a significant shortfall in the amount of pension they need for an adequate income. The World Economic Forum (WEF) has issued a warning that calls on the Government to impose faster pension-age rises as it earmarks the UK as one of several countries facing a ‘pension time bomb’, with the UK pension savings gap reaching £25 trillion by 2050 if action is not taken soon. (more…)

Funding future care costs

Posted on July 3, 2017 by - Uncategorized

‘The tragedy of old age is not that one is old, but that one is young’

With the UK’s population ageing, more people will be living with long-term care needs. Oscar Wilde once said: ‘The tragedy of old age is not that one is old, but that one is young.’ But the good news of rising life expectancy also brings with it the challenge of how we fund our future care costs. The question is: who is responsible for looking after us if we need care in old age? (more…)