Wiser – Family Protection

Family protection & financial security

Providing financial security for you and your family is of the utmost importance to us and is the basis of our holistic financial planning service.

We take pride in ensuring our client’s standard of living is not compromised if the unexpected happens.

Being Independent means that we consider all companies in the protection market to ensure the best advice is provided. We have no bias towards a particular provider, meaning recommendations are purely based on the right solution for you.

We can also offer advice on any tax implications through our full advice service that is customised to the client, including addressing the wider implications of having appropriate cover.

  • Decreasing Term Assurance

  • Critical Illness Cover

  • Trusts

  • Level Term Assurance

  • Whole of life Insurance

  • Holistic advice

  • Income Protection Insurance

  • Family Income Benefit

Life insurance, income protection and trusts

Insurance products and financial options can enable you to protect your family and lessen the impact of major life events. A few decades ago the major risk was from the unexpected loss of a partner or parent. But in recent times, people are living longer despite critical illness such as cancer or dementia, so the insurance market has responded to this. It is possible to have insurance to protect your quality of life and to protect your earnings. Being able to remain financially secure at difficult times is an essential aim for many people. This could simply mean that your insurance will enable you to continue to pay the mortgage and other bills, and provide you with ongoing financial security for the family.

Some insurance policies relate to your whole life span and this life assurance continues regardless of your life stage and financial commitments. Other types of insurance are aligned to a fixed ‘term’ or period of time, for example the years left to pay the mortgage or until you would normally plan to retire, since after this time, financial commitments may be less. Fixed term family protection may be for a constant amount of cover, known as ‘level term assurance’ or the amount of cover may reduce over time, known as ‘decreasing term assurance’. This type of cover offers flexibility when it comes to family protection.

As well as there being different options for what you want to protect, there are also different choices to do with the benefits you receive. In general, insurance companies can pay out a cash lump sum or pay out a regular income or some combination of these. It can sometimes make sense to defer receiving benefits by holding financial pay-outs in trust, to preserve their value for family members.

To get the right family protection, you don’t need to become a financial expert. We provide objective and holistic advice based on your financial aims, that considers all the insurance company options, to make it easy for you to remain in control of your financial future.

Services

Our Office

The Rowans
Ash Mill,
Barkway
Herts
SG8 8HB 

 

Tel –  01763-849276 
Mobile – 07952-291884  
Fax – 0872-1103840 
email – andy@wiser-wealth.com 
Skype – wiserwealth                       

Wiser Wealth Limited is registered in England & Wales no. 7305259. Registered Office at The Rowans, Ash Mill, Barkway, Herts, SG8 8HB Wiser Wealth Limited is authorised and regulated by the Financial Conduct Authority no. 528681.The Financial Conduct Authority does not regulate Tax planning, Inheritance Tax Planning or Trusts and Will writing.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Investing involves risk and the value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested.