Careful planning does not have to be difficult, but it is important. With simple straight forward planning you can protect those things you have worked hard to create. It can be quite simple to arrange the cover you need to give your family financial peace of mind.

There are additional options like waiver of premium and arranging the policies in Trust which can nominate beneficiaries and can help against potential Inheritance Tax liabilities.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Tax concessions are not guarenteed and may change in the future. Tax free means the investor pays no tax.

The Financial Conduct Authority does not regulate Tax, Trusts, or Estate planning.

As with all our advice your plan will be tailored to suit your individual needs and budget.