LIFE & HEALTH INSURANCE
Understanding the different insurances available to you can be confusing and there is no one-size-fits-all, so different types of insurances are available to help people have a choice of cover that suits their lifestyle.
What We Do
We will help you consider a number of decisions, that includes whether you require a single or joint policy. How much cover you need. Whether or not you should write the policy in trust and so on.
Once more, whether you are arranging your first policy to protect your new mortgage or perhaps starting a new family, whether you have had a change in personal circumstances and require protection lost from a previous employer or require a review of your existing provisions to ensure suitability, we will talk and walk you through all the options available to you and make an appropriate recommendation.
As an intermediary we act on behalf of you, the client and we offer advice on limited types of pure protection, non-investment insurance products such as term assurance, income protection and critical illness.
The small print...
Financial protection policies typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.
Our Approach
01.
OBJECTIVES AND RISK
We will take the time to thoroughly understand what you’re looking to achieve and the level of risk you are willing to take. These will then reflect the investments we recommend.
02.
RAINY DAY MONIES
Keeping an ‘emergency fund’ for a rainy day in the Bank is an important part of financial planning. It gives you peace of mind that you can access cash, in an emergency without having to sell investments at what might be the wrong time.
03.
DIVERSIFICATION
Different types of investments (assets) can behave differently to each other at different periods during your investment timeframe; therefore, we will combine a range of assets to help mitigate risk.
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04.
COST FOCUSSED
Unlike future performance, cost is known, and where possible, we will keep a tight lid on these as costs can be the difference between success and failure.
06.
MARKET KNOWLEDGE
We combine index-tracking funds with actively managed funds, where they invest differently to the index, giving you the best of both worlds.
We will not try to time the market, and anyone who claims they can, history would suggest they almost certainly can’t. And whilst past performance can be seductive, we will not chase performance as it is often a weak guide to the future.