The protection of your family’s health, their income and capital should be of primary concern.

By providing this protection you are ensuring that your family will be protected in the event of your illness, injury or death.

The following may apply for either family or business protection.

Life Assurance
Financial protection for your loved ones in the event of your death can be arranged as either a tax-free lump sum or regular income benefit.

Critical Illness Cover
You are four times more likely to suffer critical illness than die whilst working. A tax-free lump sum can be provided in the event of such a diagnosis which can be used to repay a mortgage or pay for healthcare.

Income Protection
Insurance to provide you with continued tax-free income whilst you are unable to work owing to long-term illness or injury.

Private Medical Insurance (PMI)
The cost of private medical care can be insured on an individual or family basis. High quality care will ensure that you and your family are well looked after.

Inheritance Tax (IHT)
A flexible policy to pay any IHT liability can be used to reduce the effect of IHT paid by your beneficiaries on your death.

Please contact us for more information or to arrange a free initial meeting.

Authorised & regulated by the Financial Conduct Authority (FCA). The FCA do not regulate Commercial Mortgages, Bridging Loans & some forms of Buy-to-Let mortgages. Your home may be repossessed if you do not keep up repayments on your mortgage. To understand the features and risks of a Lifetime Mortgage, ask for a personalised illustration. There may be a fee for Mortgage Advice. A typical fee is £250 but the precise amount will depend upon your circumstances and will be disclosed prior to any financial commitment.
Estate planning and the provision of Wills are not regulated by the Financial Conduct Authority. On behalf of APS Legal & Associates Ltd, White Hart Yard, Bridge Street, Worksop S80 1HR. APS Legal & Associates is a member of the Institute of Professional Willwriters. APS Legal & Associates complies with the OFT Approved IPW Code of Practice.
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