Our Services

The principle that families can lose their wealth without careful planning is so well-established that many cultures have a saying for it. In English it’s “clogs to clogs in three generations”, Italians say “from stables to stars to stables” and in America the phrase is “from shirtsleeves to shirtsleeves”.

Insurance is one of the most effective ways to manage the substantial inheritance tax liabilities that can erode family wealth. As well as being an efficient solution for a wide range of circumstances, it’s an approach that also makes good financial sense as a cost-effective estate planning tool.

Life insurance is a popular and straightforward product. When you die, the policy pays out a sum that covers the inheritance tax due on your assets. For those who choose to reduce their liabilities by giving away assets during their lifetime, we arrange Gift Inter Vivos life assurance to cover the potential liability that could arise if they die within seven years.

The policy that’s appropriate for your family’s situation and needs will depend on a range of factors. We’ll work with your adviser to make sure the payout goes into trust. If you don’t, it will make your estate larger, which will then be liable to pay even more tax.

Unexpected events can have a dramatic impact on everyone involved. Yet when you have specialist insurance policies in place, money is one of the things you will not have to worry about if the worst happens.

We can help you protect your family’s way of life with critical illness cover, which will pay out a lump sum if you’re diagnosed with a condition. If you’re looking to guarantee the future of your business, we can arrange key person insurance on the life of anyone critical to its ongoing success.