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How to manage employees with a critical illness

In the UK, there is a growing number of people working to an older age. Currently, the pension age sits at 65 for men and is increasing gradually for women from 60 to 65. Yet, it’s proposed that the state pensions age will rise to 68 in 2044 and 2046. What’s more, people are retiring […]

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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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A-Z of Business Life Insurance

Business life insurance can be relatively simple and easy to set up for company directors and employees. Despite this, insurance providers and industry experts like to create obstacles by using (sometimes unnecessary) jargon. Instead of weaving your way through the minefield, here’s a following list of terms and commonly used in the industry and the […]

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Life insurance for contractors

Working as a contractor, it can be difficult to obtain life insurance without paying out of your own pocket. However, life insurance for contractors is a necessary replacement for a death in service benefit you’d get through a company. If you work as a contractor, life insurance can be essential to help protect your family […]

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Life insurance for small businesses

How a small business can benefit from life insurance Taking on a new business can be tough work, but through hard work and determination, the successes of a business can feel a lot greater. There are plenty of financial concerns a small business can have, as well as meeting the needs of employees and securing […]

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What is a cross option agreement and does my business need one?

When business owners enter into a company protection policy such as a shareholder or partnership protection policy, a cross option agreement can come into play. Also known as a double option agreement (or single option agreement in the case of critical illness cover) this type of agreement can help guarantee the transaction between the life […]

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Save tax with a relevant life policy

Relevant Life policy tax treatment Relevant life policy tax is a much-discussed topic in the insurance industry. Particularly, because it can help businesses save money on their life insurance. If you’re still unclear about how it works or whether a relevant life policy is right for you, then this overview may help to make things […]

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