The fact you are looking for, or already receiving advice from us would indicate that a career in financial planning is not for you. We’ve designed our resource centre so that you can dip into subjects or linger on those that interest you most. Nothing beats personal advice in our view but we hope you find the information available here useful.
Making life easier for the loved ones you leave behind
Life insurance is a short hand for a range of products that are aimed at protecting your family if you can no longer provide for them.
Buying a policy that meets your needs requires careful thought and consideration because life insurance forms the cornerstone of good financial planning.
With professional help from Chadney Bulgin, you can feel confident that you are choosing the best option for you and for protecting your family.
The meaning of life
Life insurance comes in many different forms.
Here are some of the most common:
- Term insurance
- Mortgage protection
- Critical illness
- Income protection
At a very basic level a life insurance policy is designed to make life easier for those you love if you are no longer around to provide for them. But, life policies are more flexible than that, and can be used for any number of reasons, such as protecting income or assets.
By understanding your financial objectives we make sure the benefits of life insurance, in whichever format we suggest, work for you.
Even when you’re young and healthy, the chances of these things happening to you are more likely than you might think – 37 per cent of the critical illness claims we paid were made by people aged 40 or younger.
Source: Bright Grey Statistics, 1 January – 31 December 2012
Life is a journey
These days you can buy life insurance at your local supermarket but we think it is far too important to be considered a commodity.
Most of the financial planning work we do is aimed at helping people plan for a long and fulfilling life.
But really thorough planning recognises that things can go wrong and should be planned for too. This is why life insurance is so important, because it removes some of the risks that life throws at you.
If you have family or dependants that rely on your income, a mortgage or any other form of lending you should talk to us about life insurance.
Planning for life
A life insurance policy is most effective when it comes with advice, so we work with you to build a personal plan dovetailed to your specific needs.
We do this by:
- Fully understanding your current financial environment and goals
- Making sure the plan is appropriate to meet your needs today
- Ensuring it has flexibility to change as your needs change
- Setting the plan up correctly to ensure that the pay out of any policy will go to the people you intend it to
Life insurance can be used to protect income, loved ones and businesses and, in certain circumstances, can be arranged in such a way as to minimise the effect of tax. We can also make sure the money will be paid out quickly without any need to wait until your estate goes through probate.