If you already have cover you could be paying too much for it

Protect your family – Simply – Tax Efficiently

Tax Relief

• All premiums are paid net of basic rate tax at 22%
• Non and basic rate tax payers get tax relief at 22%
• Higher rate tax payers get a further 18% tax relief via their tax return

Who should take this cover

Suitable For
• Clients needing life cover only
• Level and Decreasing life cover available

Not Suitable For
• Clients needing critical illness, income benefit or whole of life insurance
• Clients making Pension and/or Pension Term Assurance contributions in excess of the higher of £3600 per annum, or 100% of annual earnings (maximum £215,000)
• Clients who have, or who are likely to have, Pension Funds including Death Benefits greater than £1.5 million.

Tax

• If your Lifetime Limit of £1.5 million is exceeded there is a potential 55% tax charge on the excess.

We can help you get the best deals

Our professional advisers will help you identify your ‘Protection’ needs, understand the benefits of protection products and will make a sensible recommendation to fully protect your home and your family. We will help you identify if ‘Life Insurance With Tax Relief’ is appropriate for you.

Our comprehensive research allows us to shop around

This is what we do! Not only will we research the cost of your Life Insurance, we will also consider the various feature and benefits available.