Life Insurance

Why Do I Need Life Insurance?

No matter what anyone tells you, you don't need life insurance.  Like the old saying goes “you can't take it with you”.  Once you're dead, money stops being a concern.  Of course, your having life cover could make a world of difference to your loved ones.  In the short term, it could help prevent their [...]

By | June 12th, 2015|

Life Insurance Made Simple

“Expect the unexpected” may be an old cliché but the unexpected can and does happen. Hoping that it happens to someone else is a very poor strategy in terms of family protection. To put the matter quite simply, if you have people who depend on you in any way, you should be checking to see [...]

By | May 15th, 2015|

Protecting Your Family If Your Are Too Ill To Work

For some of us, a good proportion of our time is spent avoiding thinking about difficult or uncomfortable things. Tax bills, medical checkups, dealing with difficult people at work are just a few, but one of the more overlooked areas in many of our lives is that of insurance cover. We might have adequate cover [...]

By | April 17th, 2015|

Don’t Leave It Too Long To Get Life Insurance

Life insurance can make the difference between people being able to focus on dealing with grief and people being forced to confront harsh financial realities at a hugely painful time. While the statistical likelihood of dying goes up with age, death claims even young lives. What that means in practice is that life insurance could [...]

By | March 13th, 2015|

Life Insurance

When thinking of the family finances and your personal wealth, savings and investing may be at the top of your agenda. For some people however, life insurance can be a crucial part of taking care of dependants and loved ones in the event of their (untimely) death. With this in mind, it can be helpful [...]

By | December 12th, 2014|

Spare Your Children From Inheritance Tax

The Inland Revenue has had some high-profile headlines of late.  There was the case of the eBay trader who has been sentenced to prison for tax evasion.  There are proposals to allow the Inland Revenue to reclaim unpaid taxes from ISAs.  Now the Inland Revenue appears to have Inheritance Tax planning in its sights.  The [...]

By | November 7th, 2014|

Life Insurance – A Simple Way To Save An Inheritance

Would you rather leave your worldly goods to your loved ones (or your favourite charity) or the tax man? Inheritance tax has long been the subject of heated debate, but the chances of it being repealed any time soon, is very remote. So for most people, the choice of creating a financial plan to deal [...]

By | September 19th, 2014|

The Real Cost Of Smoking

Imagine the scene in an alternate reality; a nervous entrepreneur climbs the stairs in Dragons Den and timidly approaches the seated investors, and explains his product to them. It’s a herbal preparation that, when burning, will poison the user with hundreds of toxic chemicals, it will taste disgusting, make their clothes smell, yellow their teeth [...]

By | August 29th, 2014|