Long Term Care

Protecting your family iStock_000010433136Medium

Immediate Care Annuity Ethel (a widow of 86) had a mild heart attack about 6 months ago, has osteoporosis and diet controlled diabetes, she is now quite frail. She had a fall a few months ago, broke her hip and had been in hospital for Read more…

Corporate Protection

Key Person Insurance Most businesses are heavily reliant on certain key individuals within that organisation. If one person is prevented from working, either due to a serious illness or death, the impact on company resources and future profitability can be severe, even devastating. XYZ Ltd Read more…

Corporate Protection

Shareholder Protection Four directors of an IT company (Andrea aged 38, Henry aged 42, Margaret aged 55 and Tim aged 50) own one quarter of the shares each. At a regular board meeting the issue of contingency planning was discussed and in particular what would Read more…

Investment Plans

inheritance

Health Crisis A son of prospective client, Victor, advised me that his father had suffered a stroke.  Unfortunately, this confirmed a history of similar strokes leading to a belief that this latest event constituted a health crisis with significant potential for harmful financial consequences. We considered Read more…