Simply Choice Services Blackburn | Individual Protection
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Individual Protection

Life insurance

At a time of loss, the last thing your family needs is their daily routine upset because of financial worries. Taking out life cover could leave your family in a better position to be able to afford the everyday things they’re used to. Because if money’s really tight, all the things that made life special while you were still around could be threatened for years to come. So don’t take a rain check on life cover, come and talk to us at Simply Choice Services Ltd today.

Critical illness

We all dream of winning the lottery. But what are your odds when it comes to critical illness? Unfortunately, the chances of critical illness striking close to home are higher than you think. Even a small amount of cover could make your finances less of a gamble, so to find the best way to protect you and your family, talk to us in Blackburn today.

Income protection

Imagine having to spend the money you’ve worked hard to save because you are too ill to work? Income protection can provide a solution by giving you a replacement income until you are able to go back to work, or up to the age of 65 if you find you are unable to return at all. At Simply Choice Services Ltd we can compare your options and give expert advice on the best type of cover for you.

We can quote from 10 of the UK’s top insurers so you can find the most suitable life insurance policy

 

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Trusts

Leaving the right money, right people, right time.

When arranging a life assurance policy it is important you consider whether the plan should be placed in trust. This may sound complicated and involve extra paperwork, but it is relatively straight forward to do, and we can guide you through the process, indeed we can put policies that we have recommended in trust for our clients at no additional cost.

 

There are four main reasons why you should consider placing your protection plan into trust:

Nominating a beneficiary

Nominating beneficiaries in the trust form ensures the proceeds go to the intended recipients

Speed

Proceeds are paid directly to the trustees without any delay through probate

Tax planning

Using a trust can ensure that any proceeds will be held outside of an estate upon death, thereby avoiding the need to pay inheritance tax

Convenience

If the policyholder is too ill to make a claim, someone may need to act on their behalf. This can take time and money. However, if the plan is written in trust, the trustees may be able to claim on behalf of the plan owner. If critical illness is included in the plan, the trustees can continue to hold the proceeds in trust for their benefit depending on the type of trust used.

Simply Choice Services can give you advice on which trust is suitable for you and tailor it to your current circumstances. Contact us today. We are happy to advise you no matter where you are in the UK.

For Expert & Impartial Advice on all your Insurance Affairs
Call: 01254 947611 | Freephone: 0800 130 3987