Life Assurance & Income Protection

Insurance policies change over the years and very often more economical solutions with greater benefits and / or cover can be found. Therefore it is judicious to ask your financial adviser to review your cover on a regular basis.

In this guide we provide helpful information on the different types of protection insurance available.

These types of plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Critical illness plans may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Inheritance Tax Planning and Trusts are not regulated by the Financial Conduct Authority (FCA).

The Financial Conduct Authority does not regulate Trusts.

Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

This article is intended to provide a general appreciation of the topic and it is not advice.

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