First Meeting is our Expense

There are times when it can prove difficult to establish your true financial needs.  You may want an expert to consider whether or not your finances are in order or to point out if you need to take some action.

Under our Wealth Architecture Program we are happy to offer the initial consultation at our expense and with no obligation upon you.

We know that you will enjoy the experience.


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Free Consultation

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Whole of life assurance

Whole of life policies are designed to provide life assurance coverage for an individual's whole life, rather than a specified term. They contain a savings component, the idea of which is to build up a fund in the early years which will subsidise the life assurance cost in the later years. A fixed death benefit is paid to the beneficiary, this is either the sum assured or the value of the investment pot, whichever is the greater.

Premiums are usually fixed for the first 10 years of the policy, and each 5 years thereafter, after which the policy is reviewed and the premiums or the sum assured may need to be amended depending upon investment returns. Management fees also eat up a portion of the premiums.

Whole of life policies can be useful for some people to provide for an inheritance tax liability.

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