Moneymark Financial Services offer comprehensive financial advice for both personal and commercial clients.
Many people overlook the need for personal protection or simply do not have
the time to arrange it. It's ironic that we protect the material things around us,
for example our homes, cars and pets but many people do not have cover
in place for themselves and their families.
Purchasing some form of Personal insurance can leave you with some
peace of mind should the worst happen.
* Life Insurance
Provides a sum of money to your loved ones after
your death. This type of insurance is particularly
important for individuals with Mortgages to ensure their
loved ones are not left with the financial burden of
repayments on a home.
* Family Income Benefit
Provides a monthly income for your family for the
remainder of the policy term should you die. Designed to
replace your income this should allow your family to
maintain the life they led before your death.
* Critical Illness Insurance
Instead of paying out on death this cover provides you
with a tax free lump sum or an income if diagnosed
with a specified critical illness.
* Serious Illness Cover
Similar to Critical Illness Insurance paying in the event
of diagnosis of a serious illness.
* Income Protection
Policy provides up to 65% of your annual gross income
tax free should you be unable to work due to accident,
illness or disability. The policy continues to pay until you
return to work, reach state retirement age or die.
* Private Medical Insurance
Allows reassurance that should you or your family be
taken ill and treatment is not available on the NHS you
have the finance to cover what treatment is necessary.
* Trusts
Placing life policies in a Trust ensures that the policy
proceeds are not assessed within an individual's estate
on death allowing the family to receive the proceeds of
the life policy much quicker.
* Will Writing Service
Writing a Will ensures that your family do not have to
deal with the implications of the intestacy rules or who
will administer your estate on your death.
General Insurance
* Building Insurance
Building insurance is crucial for those with a Mortgage.
Lenders need to ensure that the building is adequately
insured. Most people could not afford the replacement
cost of their home and possessions should it be
destroyed and thus insure it against fire, theft and flood..
* Mortgage Payment Protection Insurance
Provides a 12 month safety net should you be unable to
work and pay your Mortgage due to accident, sickness
or redundancy.
* Accident, Sickness & Unemployment Cover
Protects an individuals' income should they be unable
to work due to accident, sickness or redundancy.
Business Protection
Like Personal Protection many businesses have insurance for their premises, stock, vehicles and equipment but they often overlook insuring their people.
For many businesses though without people their business will not operate;
Q. What if your top sales person became ill?
Q. Could someone take-over and earn the same revenue?
Q. What if a technical expert was unable to work?
Q. Could your business survive without him?
Q. What if a business owner died?
Q. Would the financers of the business keep confidence in it?
To ensure that your business would survive should a scenario like this occur you may wish to consider one of the following:
* Key Person Assurance
Allowing you to insure the life of key employees to
ensure your business continues running profitability.
* Partnership Protection
Ensuring you retain control and ownership of your
business if a fellow director/partner dies or suffers from
a critical illness.
General Insurance
* Group Income Protection
Commercial policy providing employees with a
continuing income in the event of incapacity due to
accident or illness.
* Group PMI
Company insurance policy providing private medical
insurance thus reducing sick leave.
Will Writing & Trusts are not regulated by the Financial Services Authority.
