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    Category: Insights

    Do I need life insurance?

    Life insurance is often overlooked when putting together your financial plan, however it can provide invaluable support to your loved ones should anything happen to you, as it acts as a safety net for those you care about most.

    So, why should you consider getting life insurance sooner rather than later?

    Protect your dependents

    Life insurance safeguards all financial plans you already have in place, so any inheritances or trusts for spouses, children or elderly parents won’t have to go without if anything happens suddenly.

    Replace your income

    Your family may be relying on your income, and if this is the case then they can maintain their current standard of life in the event of any shock events.

    Enjoy tax benefits

    Most life insurance payouts are exempt from Inheritance, Income and Capital Gains Tax, so it’s a highly tax-efficient way to pass on your wealth to your beneficiaries.

    Protect your business

    Not only does it protect your loved ones, but if you are a business owner the right policy can protect your organisation from financial problems too.

    Get peace of mind

    Arguably one of the most important reasons to get life insurance – it’s one less thing for you to worry about, giving you the reassurance that your family will always be cared for.

    If you’re still not sure whether this is worthwhile, or don’t now how to go about getting it, a financial planner will be able to talk your through the process and cater these policies to your individual needs and circumstances.

    Please don’t hesitate to get in touch with our team if this is something you’d like to talk more about.

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