People insure all the important things in life such as their cars, homes, possessions and businesses, but perhaps the most important thing to protect is themselves and their income.
It is a shocking statistic that only 1 in 10 families with joint income would be able to survive if one of those incomes was to disappear or reduce. Protecting yourself is one of the most important decisions you will ever make, especially for anyone with a partner and/or young children.
Life assurance provides a tax-free lump sum that is paid to your chosen next-of-kin, usually a spouse or relative, upon your death. This money can be used to pay off outstanding debts, clear an existing mortgage or help with ongoing costs for your family after you are gone. Taking the time to set up a life assurance policy can be invaluable to your family if anything should happen to you unexpectedly.
If you are looking to provide financial security for your family in the event of your death, we can guide you through the process and advise you on the most suitable form of cover. Our experienced advisers can explain, in plain English, the various life assurance options available to you and tailor a protection portfolio to suit your individual circumstances.
As an independent broker, we have access to the leading healthcare insurance providers in the UK and can therefore offer you extremely competitive premiums and varying levels of cover.
In the event of a claim, our in-house claims team can ensure benefits are paid to your dependents and beneficiaries in the most tax efficient manner.
Benefits of our Life Assurance service can include:
- Free review of any current arrangements
- Bespoke protection portfolios designed to meet your individual needs and reflect your budget
- Access to the UK's leading healthcare insurance providers
- Dedicated Life Assurance experts to guide you through your options
- In-house support with claims
- Inheritance tax planning in conjunction with a local solicitor*
Areas we can advise on:
- Partnership Protection
- Life Assurance Policies in Trust
- Mortgage Protection
- Level Term & Whole of Life Cover
- Keyman Insurance
- Relevant Life Trusts
- Death-in-Service Schemes
* Fees may apply
For an informal discussion and a free quotation for your Life Assurance requirements, please call our team on 01202 754993 or complete the quote request form on this page and we will contact you.
About Alan & Thomas
Firmly established as one of the top 100 independent insurance brokers in the UK, we have been providing personalised insurance policies since 1975. Using a network of 37 independent brokers known as Brokerbility, our expert team can offer a local and personal service across the whole of the UK.
Chartered Insurance Brokers
Having been awarded the highly regarded title of "Chartered Insurance Broker" by the Chartered Insurance Institute (CII) back in 2007, we are currently the only independent broker in Dorset to have achieved this status.