Whatever your circumstance you may wish to consider what protection is required for you and your dependants, whether family or business, particularly as State-funded support is likely to diminish over the coming decades.

You may wish to consider the effect of serious illness, injury or unemployment. If you have a mortgage, how would this be paid?
If you are in business, what would be the effect of you not being able to carry on for a time, or indeed permanently?

What income level would you need to maintain a similar standard to what you have now? What about medical care or hospitalisation?
What if the adverse effects were long-term?
In the event of your death what would happen to your family or business interests?

Given the escalating value of modern properties, and taking account of your other assets, could much of what you have worked for be denied your dependants through inheritance tax?
Albyn Associates Financial Management can advise and assist you through this multifaceted range of concerns, as highlighted by the following options:

  • Mortgage Protection
  • Life Assurance
  • Critical Illness Cover (Living Assurance) Mortgage Protection
  • Accident and Sickness Cover, Unemployment Cover
  • Income Protection
  • Private Medical Insurance
  • Inheritance Tax Planning*

*The Financial Conduct Authority does not regulate Inheritance Tax Advice where there is no investment element.