Gloucestershire IFA: Independent financial services brokers based in Cheltenham offer lifetime financial planning and wealth management

Private Medical Insurance (PMI) - why the need for it?

As our lifestyles and our expectations change, more and more of us are turning to private healthcare. The National Health Service (NHS) does a very good job under difficult conditions in looking after the nation's health. Although well reported concerns around MRSA, general hygiene and waiting lists are causing many people to have concerns. This has led to more and more individuals, families and companies opting to take out Private Medical Insurance (known as PMI) either privately or through their employer. Read more...

Life Insurance - what you need to know

Over the past few years many forms of insurance policies have reduced in price, especially Life Insurance. If you have a life policy which is over 3 years old you may be able to either reduce the premium you are paying or increase the benefit for the same monthly cost.

Likewise, if your circumstances have recently changed then it makes sense to carefully review whether you've still got the cover you need. So, if you've changed job, moved to a new home, become divorced, or are thinking of going self employed - contact us for independent advice to ensure you have an insurance policy that's right for you.

Benefits of our Protection / Life Insurance advice:

Free appraisal of your precise circumstances - without obligation

Expert, unbiased independent advice

Personalised tailored quotations for your individual needs and requirements

Our "one stop shop" also covers all categories of financial planning under one roof

We encourage regular reviews – to ensure clients continue to enjoy competitive policy rates

Please click on the links below to view our helpful expert advice guides that will let you find out how you can protect yourself and your family, your mortgage, or your business.

Beginner's Guide to Protecting your Future
It's a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our health and loved ones. This guide will assist you in considering your own situation. Read more...

What is Level Term Assurance?
The name says it all. It's term assurance, as you only get a payout within the set 'term' e.g. 18 years. It’s level, because the payout you get is fixed from the start of the term until the end. Level term assurance thus guarantees a known lump sum payout upon your own death within a fixed time e.g. £150,000 if you die within the next 18 years. It's the one policy you hope won't pay out. Read more...

What Is Whole Life Assurance?
With Whole Life Assurance, for a given premium, a wide range of plans are available. The premium is split between providing for the insurance required now and investing into the insurance company funds in order to subsidise the cost of the cover in later years. Read more...

What Is Mortgage Life Assurance?
Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependents need not worry about repaying the mortgage if you die. Read more...

What is Critical Illness Cover?
Although Critical Illness cover is sold by Life Assurers, there’s a big difference when compared with life insurance - you don't have to die to benefit from the Critical Illness insurance policy. This type of cover is designed to pay out a (tax-free) lump sum in the event of you suffering from certain types of serious illness or if you have to undergo certain types of surgery. Read more...

What is Permanent Health Insurance?
Permanent Health or Income Protection Insurance is designed to pay you a regular tax free monthly income if you are incapacitated and unable to work due to illness or injury. Read more...

To arrange a meeting or make a general Life Insurance enquiry please feel free to complete our Enquiry Form or contact us using your preferred method. Should you just require further information you may find our Guides and Newsletters a useful source. We look forward to hearing from you.