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The goal, of course, behind estate planning is to ensure your family’s wellbeing after you’re gone. Inheritance tax is just one of the elements you need to consider when estate planning, but don’t forget the role of life assurance. Our financial expert, Darren Scott-Guinness shares his thoughts on effective estate planning.

Taking out Life insurance is an easy option for some people, but for those with a chronic, life-long condition like diabetes, it can be a lot harder to find a provider willing to cover you or any further complications related to your condition.

If you don’t already have Life insurance, then choosing the right amount of cover at the best price to best protect your loved ones can be a daunting task. You might find yourself asking whether you need Life insurance, and which provider can offer the best cover.

It’s imperative to understand supplemental coverage available to help you and your family make it through tough times in case anything were to happen to you and working wasn’t an option, even just for a short time. There are three primary avenues to explore for protection — Life Cover, Critical Illness Cover, and Income Protection.

Critical illness cover is designed to provide a payment to you in the event that you are diagnosed with a predetermined critical illness that is included in your policy. Every policy will be different and so it’s important to ensure any illness you need to be covered, is – you might be surprised at what […]

Critical illness cover is insurance that will pay out a lump sum to you upon the diagnosis of one of the predetermined critical illnesses your policy covers during the life of your policy term.

Do you know what the impact to your financial situation would be if you were unable to work due to injury, disability, or long-term illness? Shockingly, one million people in the UK have faced this very situation and many found that it was difficult to cope with the sudden reduction in income.

Most people are not comfortable thinking about ‘what-if’. Such as, what will we do if one of us becomes too ill to work? Or, what if one of us passes away, how will we cope?

The healthcare sector has been under attack recently with the WannaCry security breach that affected the NHS in May 2017. Holding sensitive patient data means healthcare practices are a key focus for Cyber criminals. Is your practice ready for an attack? What are you doing to minimise the risk?

Valuing your contents for home insurance purposes is important as underinsurance in the event of a claim can leave you out of pocket. Read in our Friday Feature about some common valuables that are often forgotten about when calculating a home insurance policy value.