We all insure our cars, bikes, homes, belongings, holiday travel and pets but what about our family finances? The loss or serious illness of a close family member in emotional terms is enough for most people to cope with but it can also cause a great deal of financial stress and worry for all of the remaining family. For a relatively low cost you can insure your family finances against death, serious illness and disability, repay debts and pay tax liabilities.
There are many different types of plans, benefit structures such as lump sums or an income and places to purchase this type of cover such as the internet or even supermarkets. The only way to ensure you have an appropriate plan with a suitable level of cover is to seek advice from an independent financial adviser. Choosing the wrong plan or setting it up incorrectly can have serious consequences or create tax problems.
Our advisers will assess your situation and recommend appropriate insurance that suits your financial needs and they will do this in the most cost effective way to suit your budget.
All insurance may be subject to medical, lifestyle and financial underwriting which may result in an increase in cost, exclusions of certain conditions or a refusal to provide the cover.
Cestrian Life & Pensions Limited is an appointed representative of LJ Financial Planning Limited, who are authorised and regulated by the Financial Conduct Authority (FCA), 12 Endeavour Square, Stratford, London, E20 1JN. Our firm reference number is 507741, LJ Financial Planning reference number is 429142.