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Anyone with property is likely to risk falling into the inheritance tax net. Even the simplest tax affairs benefit from professional advice and the more complex the more there is to be gained.

Protection Planning

It’s an irony that the better our survival rate, the more we need insurance. Once most people had only life insurance but that was when a critical illness meant little chance of living long after it.

Life assurance remains a bedrock for anyone with dependants, paying out a lump sum on death or sometimes the diagnosis of a terminal illness to pay off loans, mortgages, other outstanding debts and to provide for surviving family. Ideally you would have enough cover so that, when invested, it could replace your income.

You are three times more likely to survive a serious illness between the ages of 25 and 65 than to die from it, but you may be away from work for some time or even permanently. Critical Illness insurance pays out a lump sum if you survive a major illness such as a stroke, heart attack, cancer, kidney failure or other acute condition.

Income Protection insurance can replace part of your income if you are unable to work as the result of an ongoing illness or an injury. It can offer a reasonable standard of living for you and your family and is essential for the self-employed.

For anyone with a business the stakes are even higher as illness could mean the business might suffer. A capital sum from the Critical Illness insurance could help to re-finance the business or employ a replacement manager.

The right mix of insurance, sometimes combined with investments and mortgages, can cost-effectively protect against the worst effects of life’s contingencies.

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