Business & Personal Finance
The vast array of lending products available from providers makes it sensible to take on the services of an independent financial adviser.
Our team will assess you and your business’ needs and then search the market to find a solution which is tailored to your requirements. Whether it’s fixed rate, interest only or unsecured borrowings, to name just a few products, our outsourced team can serve you.
When you consider your financial position seriously there are opportunities to benefit from life policies which are normally either;
- term assurance
- whole of life policies and
- endowments would be included.
Term assurance is a policy insuring against death, but within a specific period, and once that period ends the cover stops too. There is no cash value or surrender value at all.
Whole of life cover is a permanent policy guaranteed to pay out on the death of the holder provided the premiums have been kept up to date. Those premiums can sometimes provide for a combination of life cover and investment which gives the policy a surrender value from which your family can benefit.
Businesses wishing to protect their position in the event that a key person dies can take out appropriate cover. It is normally assumed that the proceeds will be used to keep the business stable by recruiting a replacement or it may be used to replace the profits lost while the business recovers. This can be so beneficial if a chief player is no longer there to steer the business forward.
Growing businesses need protection against risks over their whole operations including;
- loss of profits
- public liability
- employers liability
A combined policy or separate cover gives you and your business security so that from day to day you can focus on achieving your goals.
Our team can review your policies regularly so that your premiums are kept under control as they search a wide range of providers to give you the best advice before deciding on the right policy for you.