Guides & News

When people apply for insurance they often have a specific worry that has come to mind that they are wanting to solve. Insurance is designed to give you peace of mind if things go wrong. It’s something that we pay for as a just in case but have our fingers crossed that we will never need to use.

TPD is designed a kind of catch all for diagnosis of a condition that isn’t specifically covered by the critical illness contract, but is massively affecting your life. This can be both your ability to carry on working or your ability to do day to day things, depending upon how the insurer offers it to you.

Since 2012 we have dedicated our team to being specialists in protection insurance. With 52 wins and 13 highly commended awards behind us, we think we have certainly managed to achieve our goal.

In the UK there are times where the money you give to someone can be taxed, if you die within seven years of giving them the money. A lot of people do not realise this and it’s easy to end up in this situation without realising it.

When you die within the UK your next of kin might need to pay tax to the government. The UK government says that if the value of your estate is more than a certain level, then there has to be tax paid to allow your next of kin to have access to what you have left them.

Trusts are a legal document that tell the insurer, your loved ones and HRMC who you want to get the money from a life insurance claim.

When you are applying for life insurance you are often asked questions about your travel in the last 3 years and any travel that you have planned in the near future.

For the moment if you currently have prostate cancer or have done in the past, then you will need to let most UK life insurers know when you apply for cover. There are sometimes exceptions and it’s always worth asking us so that we can let you know if you are eligible for these.