PROTECTING YOUR WEALTH
How well prepared are you for life’s challenges?
Most people we meet have dependants: a spouse or civil partner, children or elderly parents. Many have some form of insurance in place in the event of death or illness, but few have the right type or amount of cover. At Just Financial Group, we can help you identify exactly how much cover you need and the most suitable provider. Advice is even more important if you have a medical condition or manual job, as insurers may have different underwriting requirements.
It is always difficult trying to prepare for the unexpected, but Just Financial Group can give advice on a range of protection policies to help you and your family do just that. Taking action now can give you peace of mind that if the unexpected happens, you will have the necessary financial support to help you through what will already be a difficult period. We will recommend the most appropriate protection solutions based on your individual circumstances, helping you select one that offers the best cover for you in the event of unemployment, illness or even death.
Many people believe arranging business protection to be a lengthy and complicated process. However, the main principles are very similar to any other type of protection. The sums assured may be higher and the claim may be payable to a business rather than a family member, but the application and underwriting processes are broadly the same.
As with personal protection, we will help you navigate the range of options available and recommend a solution that best suits the needs of your business.
Placing your life policy in trust can help to ensure any claims are paid out to your beneficiaries quickly and efficiently.
Any policy benefits paid into trust are not part of your estate for Inheritance Tax (IHT) purposes.
At Just Financial Group, we can guide you on the most suitable trust for your circumstances and the type of policy you hold.