Life insurance is important if you have a family with young children. The policy will pay out a lump sum or regular income if you die during the term of the plan. Life insurance gives peace of mind should the worst happen, it is designed to help the surviving partner financially with ongoing debts & commitments, such as your children’s upbringing.
Our team will work with you to identify the amount of cover you would like or need. This can be almost any amount, from enough to cover the funeral costs, to more substantial amounts up to over a million pounds (with some providers). In addition you can choose the term of cover you prefer. Some policies run whilst your children are growing up whereas a whole of life plan will cover you regardless of your age.
Talk to a member of our team for specialist help and advice to suit your families needs.
1. PAYS A LUMP SUM OR REGULAR INCOME TO YOUR FAMILY
Life cover will pay a lump sum to your family if you were to die.
2. YOU CHOOSE THE LEVEL OF COVER NEEDED
We will work with you to ascertain the type of package you would like. You may want cover just until your mortgage is settled, or for whole of life.
3. WE WILL ADVISE ON TRUST
During our assessment we will advise whether the plan should be placed into a trust. A trust will pay the proceeds directly to the beneficiaries which may not be subject to inheritance tax.
Contact our team now for protection advice, for which we do not charge a broker fee. We have many clients in Halifax, Huddersfield, Bradford, Leeds, Keighley, Pontefract, Doncaster, Sheffield and Hull. We can arrange a face to face meeting or telephone appointment.
“I’m self employed and didn’t have any accident cover. So when I broke my wrist playing cricket three years ago I was without any source of income for a few weeks. This left me in a difficult financial situation, one that I didn’t want to find myself in again. Bespoke Financial were recommended to me by a personal friend, so I gave them a call. The very charming and friendly. Oliver came to see me and my partner, he talked us through all the insurance options available. He explained everything very clearly and didn’t try to sell us anything we didn’t need. I now have no worries about how the bills will get paid if anything unexpected should happen. We now have excellent insurance cover for me my partner, our family and our home. I cannot recommend Oliver and Bespoke highly enough.”