It’s your income that keeps your possessions, family, home and lifestyle safe. When you die, the last thing you would want would be to leave your family facing financial difficulties. That’s why life insurance is so important.

However, 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.

It also makes sense to think about what would happen if you suffered a critical illness, such as cancer, heart attack, major organ transplant or had an accident that stopped you working for a while.

Some of the options we advise on can be written in trust, which means you can make sure more of your money goes to your loved ones – not the taxman. Using a trust also makes sure the money goes to your beneficiaries more quickly.

Some of the products we can advise on are:

If you are unsure how much cover you currently have or your circumstances have changed and you need to review your cover then please do not hesitate to contact our team.

NB: The FCA does not regulate trusts and some forms of offshore investment and inheritance tax planning.