Life Assurance

Nicholls Stevens can advise on your need for life asurance

Who needs it?

  • Any one with a mortgage or loan which needs to be paid back on death
  • Anyone with a young family or dependants

Points to watch out for:

  • iStock 000009988691XSmall 300x199 Life AssuranceYou usually only need the cheap type of term assurance which just covers you for the time when your family is most vulnerable
  • You normally do not need the more expensive Whole of Life policy
  • You could consider a conversion option, which means that if you unfortunately become ill you can take out further life assurance regardless of your state of health
  • You need to make the policy the subject of a trust so that when you die the benefits do not form part of your estate and will then potentially be subject to IHT

Corporate Services

Providing your employees with a good benefits package which includes access to a pension arrangement is important. We help our clients to do this effectively.

Find out more about our Corporate Services

Business Startup Pack

We have worked with many start up businesses over the years and as a result of this we have realised that a start up pack can be enormously important.

Find out more about our Business Startup Pack

stephen

Stephen age 53 set up his own business and needed pension advice

Stephen wanted help to review his existing pension arrangements. He wanted if possible to amalgamate the pension schemes for ease of understanding and administration. He wanted, if possible to be able to use his pension fund to help finance his new company.

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