There are many things to consider when setting up your policy such as level or decreasing cover, single or joint policies, reviewable or guaranteed rates, level of cover, term of cover and so on.

Also whether the policy should be written into a Trust, this on its own could potentially protect 40% of the proceeds of your policy unnecessarily being paid to the taxman.

It is again important you take advice, we have a carefully selected panel of UK insurers that can compete with anyone on price, we’ll get you the right policy at the right price and if the worst does happen ensure you leave the right money in the right hands at the right time.