Trading as Nick Ball
Protection Inheritance Tax
Investments
Life
Assurance
Finding The Right Life Assurance Needn't Be Murder
With so many companies selling Life Assurance, all with different products, costs, charges, small print and investment performance, finding the right company and policy for you is easier with an expert who has all the facts and figures to hand.
What Is Life Assurance?
In return for a regular premium or one-off payment, Life Assurance policies pay out a lump sum or an income in the event of death of the person named in the policy. A simple chat with us can help you decide which life cover is most suitable to you.
Term Assurance:
This is ideal if you want a policy to run for a fixed number of years - while the children are growing up, for example. It's hard to know exactly how much insurance to buy. We can help you work out the family's possible needs and make sure they're left financially secure should you die - whilst ensuring you don't pay more than you have to.
Whole Of Life:
To safeguard your family with a longer period of protection, you can opt for "whole of life" cover. Some whole of life policies are more flexible than others. It's worth considering whether you want a fixed lump sum payment, or one which could increase during your lifetime.
Critical Illness Cover:
With this form of "living cover", you'll receive an agreed sum either on death or when medical conditions listed in the policy (e.g. heart attacks, cancer, etc.) providing that the life assured survives a specified number of days following the diagnosis of a specified illness. It is offered as an optional extra on life insurance policies, or as a standalone contract.
Which Life Assurance Company Is Best For You?
This is usually determined by what sort of cover answers your needs best. If you're considering a policy with an investment side to it, then it's important to look into the performance ratings of the insurance company. We have specialised investment knowledge, and can advise you whether you're interested in a With-Profits or a Unit Linked policy. We can also help you choose a company that offers the best value. Term Assurance, for example, is generally sold on price, so it pays to shop around for the cheapest policy.
Advice In Plain English:
We can guide you through the many companies and the vast range of Life Assurance products that they sell. We can explain the difference between each one in simple terms, unravelling the jargon and small print so you know exactly what you're getting. It's important to make sure you have enough cover to financially secure your family's future, and that your life cover keeps up with inflation.
Call us on 01275 373555 for impartial advice.
Acuma Ltd. is Authorised and Regulated by the Financial Services Authority.