Continuing to cope financially due to an illness or accidental injury that prevents you from working No-one can guarantee that they will not be the victim of an unfortunate accident or be diagnosed with a serious illness. The bills won’t stop arriving or the mortgage payments from being deducted from your bank account, so going […]

Providing a financial cushion you need for everyday life Most people don’t like to contemplate what would happen if they were diagnosed with a critical illness, but not considering the future could mean that, should you survive such a catastrophic event, you may not have the financial cushion you need for everyday life.

Guaranteed financial protection that lasts for the rest of your life As the name suggests, whole-of-life policies are ongoing policies that pay out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will have to pay out), these policies are more expensive than term […]

Choose the amount you want to be insured for and the period for which you want cover The most basic type of life assurance is called ‘term assurance’. With term assurance, you choose the amount you want to be insured for and the period for which you want cover. If you die within the term, […]

Providing a financial safety net for your loved ones If you have loved ones who are dependent on you, life assurance can make sure they’re taken care of financially if you die. So whether you’re looking to provide a financial safety net for your loved ones, moving house or a first-time buyer looking to arrange […]

Why reviewing your level of life insurance is time well spent to ensure you look after their future May 2014 marked the 253rd anniversary of the first life insurance policy being issued in the USA.  Life insurance protects your family and anyone else who may depend on you for financial support. If you die prematurely, the people […]

More couples are deciding to part later in life Divorce is not purely exclusive to the young or middle-aged, and we’re seeing a steady increase in what have been dubbed the ‘silver-splitters’ – couples who are deciding to part in later life.

Focused on managing costs We’re becoming increasingly good when it comes to cost cutting, according to the latest findings of an annual online survey from long-term savings and investment specialist Standard Life by YouGov PLC.

Families are feeling the impact of benefit cuts The cost of bringing up a child has reached £227,266, up from £222,458 last year, with the first year of a child’s life seeing the largest increase.

You need to act fast to avoid next year’s child benefit charges Families impacted by the high income child benefit charge need to act now to limit or avoid it in the next tax year. Doing this could make them potentially up to £2,449 better off, but they only have until the 6th April 2014 […]