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 Life Insurance
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Life assurance is usually needed by
those people who rely upon you financially. We can help you make suitable
provision to protect those you love in the event of your death, serious
illness or long-term disability. Our computer system gives us up to
date access to the market and allows us to obtain the best rates and
products for you.
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| Inheritance Tax Planning
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At one time inheritance tax was only
the concern of the very wealthy. This is no longer the case and the
steady rise in house prices in particular has meant more and more people
have a potential liability for inheritance tax. Inheritance tax is often
considered a voluntary tax, as with suitable planning it can be avoided
or at the very least dramatically reduced. We work closely with our
Wills and Probate Department to implement suitable estate planning arrangements
for most client situations.
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| Long Term Care
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On average, one in four retired people
will spend time in a nursing home at some stage in their lives. For
many, the assistance available from the state will fall significantly
short of their requirements, resulting in their having to use their
own assets to help meet the costs. Over 40,000 homes were sold last
year alone to meet the costs of long term care. A care plan, tailored
to meet your needs, not only provides peace of mind, it may also be
able to provide you with cover without loss of capital. If you are already
in care, and are concerned as to how you can pay your costs and still
leave some of your estate to your beneficiaries, we can advise on the
options available to you.
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| Equity Release
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Equity Release Schemes allow homeowners
to release money from their properties without moving or selling up,
thereby creating additional income or capital for their own benefit.
There are various types of equity release schemes: each scheme we outline,
and any subsequent recommendations we make, will only be for schemes
and providers that subscribe to the Safe Home Income Plans campaign.
SHIP members agree to abide by a voluntary code of practice, which aims
to ensure that clients are provided with clearly explained information
about the benefits, objectives and limitations of any scheme.
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To contact a member of
the team:
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Here
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