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Insurance/Life Assurance

Providing Financial protection for you and your family. When it comes to the crunch, we find, as individuals, that is our family that is uppermost in our thoughts. The desire to provide for those nearest and dearest to us is fundamental to human nature.

Life assurance has been around for many years offering most people some level of financial protection. As a result, many companies provide life assurance and protection policies.

This makes for a competitive market, which should be of benefit to you the consumer.

For a straightforward life assurance policy, you may think that using a web-based quotes system without advice to come up with what you think is the best or cheapest deal.

However, buying life assurance is not to undertaken without serious reflection. Many factors need to be taken into consideration such as - what is the right level of cover and for how long should it last? It is important worthwhile to discuss these questions with us, Alexanders Finance (UK) Ltd, as your Independent Financial Adviser (IFA).

How do you make the right choices?

It is clear that choosing the right mix of financial protection is not simple, particularly when there are so many providers and products. Among the decisions, you need to make are:

• how much cover should I have?
• for a specified term or for the whole of the insured´s life?
• which protection policies should I have?
• which fund is most suitable?
• which provider is the most appropriate?
• do I need critical illness cover and/or income protection?
• should the policy be written in trust?

Simply having life assurance may not be enough. There are many other forms of Protection Insurance that you may need to consider. Amongst these are:

• Critical illness insurance
• Permanent health insurance
• Mortgage payment protection insurance.
• Accident Sickness and Unemployment (ASU)
• Private medical insurance
• Long-term care insurance
• Loan protection insurance

For more details of Protection Insurances see our Protection Insurance page.

That is why it is so important to plan ahead, receive unbiased advice and consider carefully all your financial options. Contact us for further help on this most basic but important part of your financial planning needs.