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LIFE INSURANCE

Have you had you life insurance for a number of years or bought life insurance through a bank or building society?

If you answer this yes then it may be worth reviewing the cover you are paying for as premiums between companies can differ dramatically.
If you answer no then it may be worth discussing the benefits your current plan really offers?

CRITICAL ILLNESS

Critical illness cover has undergone a number of changes in relation to what is covered and the premiums offered. Your existing plan, if you have one, realy should be reviewed.

Does your policy cover your children in the event of them suffering a critical illness?
Does your plan have the option to pay your premiums if you are off work for an extended period?

If you answer no to either of these questions then it may be worth discussing the benefits your current plan really offers!

INCOME PROTECTION

How would you and your family cope in the event of a long term illness ?

Even if you work for a large employer quite often they will only pay you for 12 months but the mortgage and bills won’t stop. Is it worth the risk of doing nothing?

MORTGAGES

Are you currently on your lenders variable interest rate?
Is your special deal coming to an end?

If the answer is yes then you are probably paying too much in interest payments.
Many lenders will not inform you of better deals on offer as it will eat into their profits!

Our aim is to ensure that having viewed the options available, the most suitable arrangement for you is in place.

PENSIONS

Are you paying into a pension?

Have you got money in a pension that you are not paying into?

If the answer is yes then you could be paying too much in charges. SOME pension providers lowered the charges on their contracts. However many policies have not changed, giving you a potentially lower income in retirement.

Are you happy with the performance of your fund?

Assessing your risk rating is an important factor in determining what funds to invest in. Let us help you with your risk analysis to ensure your money is being invested in the areas that you are comfortable with. It's FREE and without obligation.

INVESTMENTS

Have you looked at the charges on your contracts recently?
Do you know what funds your money is invested in?
Are you Happy with the performance of your fund?

Assessing your risk rating is an important factor in investing your money. If you are not happy with its performance then you may be in the wrong funds.

Please contact us for further information