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Life Assurance

Life Assurance is simply the arrangement for a lump sum of money to paid out on your death, in return for a regular premium paid. But, is it really as simple as that?

There are a number of different types of Life Assurance policy out there, although these can initially be divided into two basic type; policies that offer purely protection and those that are investment-linked. The suitability of each type is dependent upon the objectives of the buyer, but can also be linked to the reasons for such cover being required in the first place.

The reasons for setting some form of Life Assurance in place can be many, but tend to be connected to one of four main areas:

  • Family Protection
  • Mortgage/Debt Related
  • Business Protection
  • Inheritance Tax Planning

Each of the above areas have different options, different technicalities and many aspects to consider. To the uninitiated, it can be very easy to set in place something that is not ideal for their circumstances. It is also unfortunately easy for some people to buy something that is not cost-effective unless they seek professional independent advice.

Courtprice are well-versed in the protection arena and are ideally placed to be able to advise you (or your business) on how best to address this important matter. Call us and see how we can help.

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