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The History of Life Insurance

The history of life insurance date right back to Ancient Rome in the UK. As early as 100BC Roman soldiers joined forces to provide for their wives and children. Each member paid a monthly fee so that they could afford funeral expenses and give a small portion to the deceased’s family. However, it wasn’t until […]

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Do your hobbies really affect the cost of life insurance?

If you’ve ever looked into getting a life insurance policy before, you’ll know there’s a number of factors that can affect the price of your premiums. Amongst your age, health and smoking status, your insurance provider will also look at your hobbies. Whilst it can sound a little intrusive, it’s actually quite important in terms […]

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The real cost of presenteeism

In the past, employers would worry when faced with high numbers of absenteeism in the workplace. More recently, however, presenteeism is becoming a bigger issue than companies anticipated. What is presenteeism? Presenteeism occurs when someone is present at work for more hours than expected. This normally occurs when people continue to work whilst sick or […]

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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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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 a life insurance 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. With […]

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Legal and General life insurance introduce online trust

Legal and General have launched an online trust application platform for both customers and advisors to use. It provides an online solution when writing business protection policies and relevant life cover into a trust. This online platform is a simple process which allows customers and advisors to set up the trust online, rather than have […]

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Divorce and the family business: Financial tips

Going through a divorce is never easy. The process of a divorce or dissolving a civil partnership can be tough on both the heart and your finances. Assessing which assets are to be shared on divorce can be complicated. Yet, can be made easier depending on how comfortable you and your partner are at discussing […]

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Exit strategies for small business owners

With entrepreneurs starting companies at a record pace of 80 businesses an hour, it’s important we learn how to protect our businesses. Business owners will need to think about having a sensible exit strategy for all situations. Protecting your business now can help to plan for the future after years and years of hard work. […]

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