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Can I get Business Life Insurance if I Smoke or Vape?

Many smokers are worried that they won’t be able to get Key Man Cover or Relevant Life Cover for themselves or their businesses. Any insurance cover that pays out in the event of a critical illness or death will always ask you to confirm your smoking status when taking out a policy – this is […]

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Cervical Cancer Prevention Week

Sometimes in life there are things we don’t want to do or never get around to doing. Perhaps we justify it with lack of time or maybe that there are simply more pressing matters. Or maybe it’s simply something you’re too embarrassed to do or are afraid of doing it. One of these things is […]

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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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