Be prepared if life throws something unexpected your way We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. It can happen to anyone at any time, and it’s easy to feel anxious about how we would cope. But if the worst […]

A guaranteed tax-free payment whenever you die When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.

Protecting your family’s finances by covering living expenses or replacing lost income With a term life insurance policy, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out […]

Choosing the right type of cover ‘Single life’ policies cover just one person. A ‘joint life’ policy covers two people, and you will need to decide whether the policy pays out on the first or second death, as this will determine when the policy ends.

Cover for you and your loved ones It’s understandable that we would rather not think of the time when we’re no longer around. However, it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens.

Planning to prevent the financial equivalent of climate change Millions of workers across the UK could be heading for a significant shortfall in the amount of pension they need for an adequate income. The World Economic Forum (WEF) has issued a warning that calls on the Government to impose faster pension-age rises as it earmarks […]

‘The tragedy of old age is not that one is old, but that one is young’ With the UK’s population ageing, more people will be living with long-term care needs. Oscar Wilde once said: ‘The tragedy of old age is not that one is old, but that one is young.’ But the good news of […]

Why investors need to keep focused on long-term financial goals Prime Minister Theresa May’s announcement that she would call a snap UK general election on 8 June 2017 surprised many people. After weeks of campaigning, there was no outright winner, with both the Conservatives and the Labour Party failing to secure a majority, resulting in […]

Effective estate planning can safeguard your wealth for future generations If you want to have control over what happens to your assets after your death, effective estate planning is essential. After a lifetime of hard work, you want to make sure you protect as much of your wealth as possible and pass it on to […]

How much time do you spend planning for retirement? The 2015 pension freedoms gave us greater flexibility over our retirement options, but the reforms have also made retirement choices much more complex. This means we need to start thinking about our retirement earlier. However, half (50%) of respondents aged 45–54 to a LV= consumer survey[1] […]