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Over the past few years many forms of insurance policies have reduced in price especially life insurance. If you have a life policy which is over 3 years old it is likely you can either reduce the premium you are paying or increase the benefit for the same monthly cost. Click on the links below to download our helpful expert advice guides that will let you find out how you can protect either you and your family, your mortgage, or your business.

Click here for On-Line quotes for Household, travel, caravan and commercial insurance including Offices, Shops, Public and Employer´s Liability

Lifetime Protection Plan Guide - PDF
Have you stopped to think about what would happen to the people you love if you were to die or suffer a serious illness, this document will help you decide which policy is best suited to your protection needs together with explaining the many options available.

Family Guide to Protection - PDF
If you have a family, you probably value it above all else, and the last thing you want is anything threatening your financial security. However life doesn't always go according to plan, you will have insured most of your possessions in case of unexpected events. Have you done the same for your family? This guide should answer your questions about family protection, we hope you find it useful.

What is Level Term Assurance - PDF
The name gives it away. Its term assurance, as you only get a pay out within the set term e.g. 18 years. Its level, because the pay out you get is always fixed. Level term assurance thus guarantees a lump sum pay out upon death within a fixed time e.g. £150,000 if you die within the next 18 years. Its the one policy you hope will not pay out. This document explains more.

What Is Whole Life Assurance - PDF
With Whole Life Assurance, for a given premium, a wide range of benefits are available. The premium is split between providing for the insurance required now and investing into the insurance company funds in order to subsidise the cost of the cover in later years. Click the link above to read more.

What Is Mortgage Life Assurance - PDF
Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependents need not worry about repaying the mortgage if you die. For more information click the link above.










The individual and group pensions market is an ever changing world, with new legislation being brought out on a regular basis, it is difficult to keep track of what options are available with regard to your retirement planning. Hopefully we can explain these options in plain, simple language and help you plan for your future.

Pension Performance Review™ Key Concepts - PDF
The Pension Performance Review™ is a fee-based, objective analysis of your risk profile, your investment objectives, your expectations, and the performance of your pension investments. Simply put, we assess the current status of your pension plans, and make detailed recommendations to try and maximise their performance.

How Much Should I Save Towards My Retirement - PDF
Despite the general confusion created by insurance companies and other pension providers, the fundamentals of a pension plan are very simple. You put money into a savings fund, it hopefully grows in value and at retirement you convert the fund into a regular income payment, which will replace part, or all, of your earnings from employment. This booklet aims to guide you through some of the issues you should be thinking about when considering how much to save towards your retirement.

What Are My Options At Retirement - PDF
The purpose of this document is to try and explain some of the common options open to clients when they come to take their retirement benefits. This document does NOT apply to people who are in ´Final Salary´ pension plans.

Income Draw down - Is It Right For Me - PDF
Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it's unlikely that they will continue to account for approximately 90% of the entire retirement planning market as they do just now.

Alternatively Secured Pension and the Family Sipp
Despite the recent debates on whether Alternatively Secured Pension (ASP) should be available to everyone, it was introduced at A-Day as an alternative option to annuity purchase for those aged 75 and over. Rather than being forced to purchase an annuity, ASP now offers greater choice and flexibility for those over age 75. It enables them to continue drawing an income directly from their fund in a similar way to Unsecured Pension. You should be aware that the rules governing ASPs are changing and you should contact us if you are considering this option.

State Second Pension - The Facts and Figures - PDF
This document is geared to contracting out using personal / stakeholder pensions. The position for employer-sponsored schemes can be different and you should seek further guidance from your scheme administrators.

Pensions And Divorce - PDF - Click here
The rules will vary depending on you location within the United Kingdom and you should contact us for clarification/advice. Between 2004 and 2005, the number of divorces granted in the UK decreased by 7 per cent to 155,052, from 167,138. This is the lowest number of divorces since 2000, and the first annual decrease since 1999/2000. This is 14 per cent lower than the highest number of divorces which peaked in 1993 (180,018). The number of divorces in England and Wales (141,750), Scotland (10,940) and Northern Ireland (2,362) have all fallen in 2005 by 8 per cent, 3 per cent and 6 per cent respectively (Source: National Office of Statistics 2006).







General Information - PDF
Not only do you need to consider which mortgage is best for you, you need to think about which interest rate options are most likely to suit your needs. This is a short guide to the interest rate options available on various mortgage products.

Remortgages - PDF
Remortgages can be used for various reasons, most people simply switch mortgage because it will work out cheaper for them. This short guide provides more information on remortgages.

First Time Buyers - PDF
Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. This short guide provides some good general advice on things to consider as a first time buyer.

Buy to Let Mortgages - PDF
Becoming a private landlord should not be seen as an easy way of making easy money. It can be riskier and more complicated. It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will continue to rise. That said, having a second property to let to tenants could reap considerable financial rewards over time. This short guide tells you what you need to know when considering Buy to Let.

Equity Release Mortgages - PDF
Sometimes people want to release equity in their homes because they need cash for a particular purpose. This short guide looks at how certain types of mortgage will allow you to do exactly this.

Current Account Mortgages - PDF
With a Current Account Mortgage, you run all of your finances through a single account - your mortgage, current account, savings and personal loans. This short guide explains how Current Account Mortgages might benefit you.

Self Build Mortgages - PDF
The main difference between a self build mortgage and a house purchase mortgage is that with a self build mortgage money is released in stages as the build progresses rather than as a single amount. This short guide explains further.

Flexible Mortgages - PDF
A flexible mortgage is a product that can make the traditional British mortgage with its fixed and inflexible payment schedule over 25 years, look like a bit of a dinosaur. Most of us now assume that we will be better off opting for a flexible deal and this short guide explains why a flexible arrangement may benefit you.







Investment Overview - PDF
This document will give you a quick snapshot of all the different investment vehicles available to the individual investor together with the key points to note. This is an at a glance guide with more detailed information being contained in the other documents on this page.

Asset Backed Investment - PDF
Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.

Deposit Based Investment - PDF
In this document we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.