Whitney's Financial Services Ltd
Helping individuals across the Britain choose the right life insurance
A comprehensive life insurance policy can help take care of those you care about after you have passed away. Whitneys Financial Services Ltd can offer expert advice and support in choosing the right policy for you.
Look after those who matter to you
We don't always want to think about it, but when we pass away, most of us want to do right by our families, and help them in any way we can when we're gone. A comprehensive life insurance policy can help you do just that.
At Whitneys Financial Services, we're able to help you plan for the future, by offering our expert advice on the many types of life insurances policies there are. We discuss each option in detail, allowing you to make the right choice for your own personal circumstances.
There are a number of options you can consider:
- Level Term Assurance. This is when a lump sum is paid out upon your death. Payments are typically monthly and fixed, and the benefits are paid tax-free. It does not rise with inflation.
- Decreasing Term Assurance. Similar to a Level Term Assurance policy, the key difference is that the benefit is set at the outset and gradually decreases during the length of the policy.
- Increasing Term Assurance. The opposite of the above, payments increase in cost, keeping up with inflation. This also affects the final lump sum, giving your family the maximum benefit.
- Family Income Benefit. This option pays out the sum over a monthly period to your family until the end of the policy.
- Critical Illness Insurance. This is often sold as a bolt-on to the other policies, but can be bought separately. It provides a lump sum in the event of you being diagnosed with certain critical or terminal illnesses, such as a heart attack or permanent disability. The exact conditions vary between providers.
If you are unsure as to which is the right option for you, our team is
only a phone call or email away.
Let us know what you think of our advice.
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Find trustworthy life insurance advice today, at Whitneys Financial Services. Call us now on: