The most important part when planning your future is protecting you and your family.
Without the correct advice your estate could be broken up and diminish in value upon your death. A Loupe Financial adviser will take the time to understand your situation and tailor-make a solution that could help mitigate the potential 40% tax bill. The impact of your death will be tough enough for loved ones to cope with; leaving a financial legacy rather than a burden is what we are here to help you achieve.
Life insurance policies pay out either a lump sum or a series of payments when a person dies during the life, or ‘term’ of a policy, usually to your dependents. In most instances, the pay-out is tax-free.
The pay-out can be used to pay off your mortgage, provide an income for your dependents, or fund a savings plan for you children.
Critical Illness Cover
Critical illness cover pays out a tax-free lump sum to policyholders if, during the term of the policy, they are diagnosed with one of a number of specified ‘critical’ illnesses or conditions, such as: cancer, Parkinson’s Disease, Multiple Sclerosis, paralysis following a heart attack or stroke, or HIV/AIDS as a result of a blood transfusion.
The lump sum can help pay off your mortgage, debts, pay for medical assistance or a luxury holiday! It’s up yo you how you spend it.
Income Protection provides a regular tax-free income for policyholders if they are unable to work due to accident or sickness. It is available to both the employed and the self-employed.
Once the benefits have started, they will continue until the policy expires, or the insured person returns to work or dies. Usually, the policy will have a fixed term to the standard retirement age.
Also known as Buildings Insurance, this is a lender requirement and we have a great proposition for you which will not only save you money but help with much more!
We can help offer advice and arrange buildings & contents insurance which is Defaqto 5 Star rated and includes a comprehensive range of features and benefits. Including new for old replacement and alternative accommodation if you're ever unable to stay in your home.