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Can you still get life insurance if you smoke cannabis?

If you have smoked or currently smoke cannabis, you may be wondering if it will prevent you from getting life insurance. In fact, you’re not alone. Around 7.2% of adults in the UK from age 16 to 59 have smoked cannabis in the last year – that’s approximately 2.4 million people. Unfortunately, smoking cannabis can […]

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How to manage employees with a critical illness

Managing an employee with a critical illness can be a difficult feat. Whilst you need to remain sensitive, it’s also important that you meet business needs too. In order to manage an employee who becomes seriously ill, there are a few steps you can take to make it a little easier on everyone. Working into retirement […]

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Mental health and your life insurance

Around 1 in 4 people in the UK will experience a mental health problem each year. Yet, we hear a number of cases where life insurance providers still discriminate against people with a disorder. With numbers rising, it’s about time we start tackling the issue to improve cover options for those suffering from mental health. […]

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The additional benefits you can get with your life insurance

Insurance providers are introducing new ways to add value to your life insurance. With benefits such as discounts to gym memberships, access to specialist treatment, mental health counselling and more, customers, now more than ever, are getting the most out of their life insurance policy. “Who needs money when you die, right?” Life insurance can […]

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Critical illness cover could be a financial life saver

Critical illness cover provides a lump sum following the diagnosis of a serious illness. This payment can be vital in getting through a tough time. When you’ve been diagnosed with a serious illness such as heart disease or cancer, it is likely that you’ll be spending a lot of time out of work. That’s where […]

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Can you have multiple life insurance policies?

It is actually quite common for some people to have multiple life insurance policies. Often, it will be because more cover is needed due to a change in circumstance, but some people can split their life insurance right from the outset. You may wish to have multiple life insurance policies if you: – Are covered […]

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Switching life insurance policies

Here’s what you need to know about changing your life insurance policy When you originally get your life insurance policy, it is based on your financial situation at that time. Over the course of your life, this can change quite dramatically. Therefore, it is worth reviewing your life insurance policy at different intervals to ensure […]

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Business Owners: How to prepare for the unexpected

As a business owner, the unexpected can always happen. No business is bulletproof. But if you’re not prepared for the unexpected it can put your business at risk. In honour of national preparedness month, we’ve put together a guide for business owners that can help you prepare for the unexpected. 1) Keep on generating new […]

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How much life cover do you really need?

Life insurance is designed to pay out a lump sum of money in the event that you pass away. This type of insurance policy can really help to protect your family financially during a difficult time. Not only that but setting up your life cover in a trust can help to negate any tax payments. […]

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Your Life Insurance Trust and How it Works

Arranging your life insurance in trust can be easy, but what exactly do you need it for? When you take out a life insurance policy, you’ve made a conscious decision to protect your family’s financial future. Therefore, it’s often important to make sure that your loved ones have the maximum possible benefit available to them. […]

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