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Life Protection & Life Insurance

There are several ways in which to protect yourself and your family in the event of an untimely death.

Most people take out life assurance to provide for their families and alleviate any financial worries at a difficult time.

The younger generation is especially aware of their financial need per a 2015 Value of Research by and Metlife. Of the 93 percent that sought advice for retirement decisions, 13 per cent of those decisions had to deal with life assurance. Those in their 30s are mostly like to seek life assurance and this is something that we at Independent Financial Planning (Anglia),a financial advisory firm based in Milton Keynes, can offer. In contrast, those more than 60-years old are only 36 per cent likely to ask about the life assurance This older age group may be closest to retirement, but they also are the least likely group to take financial advise from an independent life adviser

Level Term Assurance pays a lump sum in the event of death during the term of the policy. There is no investment element within a term assurance contract so at the end of the term there is no maturity value and life cover ends. The benefit is paid tax free and premiums are usually monthly, and fixed throughout the term. Because the term and benefit are known from the outset, and there is no investment content, term assurance can be a cost-effective method of protection.

Decreasing Term Assurance works similar to Level Term Assurance, but the benefit is set at outset and gradually decreases over the term of the policy. These policies can be used as cover for a repayment mortgage, or other loans where the amount of capital outstanding also decreases over time. Because the benefit reduces over time, the premiums are usually lower than for Level Term Assurance.

Family Income Benefit works the same as term assurance but instead of paying a lump sum upon death, it will usually pay a regular monthly/annual tax free income in the event of death to your dependants up until the end of the term of the policy.

Critical Illness Insurance is usually available as an addition to all term assurance plans but can be bought on a stand alone basis. Critical illness provides a lump sum benefit / income in the event of diagnosis of certain critical illnesses, such as Heart Attack, Stroke, Transplant, Blindness, Total & Permanent Disability and so on. The illnesses covered will be specified in the policy along with any exclusions and limitations – these differ between insurers.

Authorised and regulated by the Financial Conduct Authority (FCA Firm Number: 429592).

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