Posts By: admin

Permitting someone to act on your behalf

A Power of Attorney is a legal document that allows you to give someone else the legal authority to act on your behalf. There are several different types of Power of Attorney. A Lasting Power of Attorney (LPA), previously called an ‘Enduring Power of Attorney’, allows your attorneys to make decisions for you when you no longer wish to, or when you lack the mental capacity to do so. (more…)

An essential part of your financial planning

Your Will lets you decide what happens to your money, property and possessions after your death. If you make a Will, you can also make sure you don’t pay more Inheritance Tax than you need to. It’s an essential part of your financial planning. Not only does it set out your wishes, but die without a Will, and your estate will generally be divided according to the rules of intestacy, which may not reflect your wishes. Without one, the State directs who inherits, so your loved ones, relatives, friends and favourite charities may get nothing. (more…)

No one is immune to the risk of illness and accidents

You might think this may not happen to you (and, of course, we hope it doesn’t), but it’s important to recognise that no one is immune to the risk of illness and accidents. (more…)

Minimise the financial impact on you and your loved ones

We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. If the worst does happen, it’s important to make sure you’re financially protected against the impact a critical illness could have on you and your family.  (more…)

Guaranteed financial protection that lasts for the rest of your life

As the name suggests, whole-of-life insurance policies are ongoing policies that pay out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will have to pay out), these policies are more expensive than term assurance policies, which only pay out if you die within a certain time frame. (more…)