Whole of Life Cover

We are Authorised and Regulated by the Financial Services Authority (FSA) and are able to provide fully independent advice.
Our Financial Advisers have a wealth of experience in the financial services arena and are able to provide you with fully independent advice in all aspects of financial planning.

Key Features

Aims

• To provide a tax free cash sum for your dependents in the event of your death.
• To provide a tax-free cash sum to spend as you wish in the event of you suffering a serious illness or disability if this benefit is included in your Plan.
• To provide you with the flexibility to adjust the balance between protection and savings if your needs change in the future.

Your Commitments

• You agree to pay a regular monthly or annual amount throughout your life.
• In order to maintain your chosen level of protection throughout the whole of your life, it may be necessary to increase the contributions you make in the future.

Risk Factors

• The contribution required to provide your chosen level of protection in the future depends on the investment performance of the Funds you have selected - if performance is inadequate, your contributions may have to increase.
• The deductions made for investment management and providing protection benefits may turn out to be higher or lower than anticipated. If they are higher, you may have to increase your contributions in the future for the same level of protection.
• If you cash in your Plan the amount you get back may be very small, even after many years; this amount may even go down in later years because the cost of protection is higher as you get older.
• The value of the Plan is not guaranteed and can go up and down depending on investment performance.
• If the Plan is linked to a With Profit Fund, there may be sometimes when we may need to apply a deduction, on cashing, for example. This is called the Market Value Adjustment.