Protecting your family

There is a wide range of protection products available to provide peace of mind and security for you, your family and your business.

We are able to advise you how to effectively arrange your protection contracts, and to ‘audit’ existing contracts to ensure you are receiving good value for money and the arrangements are still appropriate to your needs.

You may benefit by writing your insurance policies in trust to ensure prompt payment to your intended beneficiaries. This may also be tax efficient and can reduce the inheritance tax liability on your estate.

Make a will

Drawing up a will is an essential part of providing protection for your family which we are able to assist you with. Please refer to our Making a Wills page for more information.

Life assurance

Life assurance can provide vital protection against the financial implications of death. This is particularly important if you have young children or debts such as a mortgage or loan for your business. Life assurance can also be used for inheritance tax planning. Please see our Inheritance Tax & Trusts page for further information. Being independent financial advisers we are able to search the whole marketplace for the most suitable and cost-effective life assurance contract for your circumstances. We can also advise you on the use of trusts. Further information about the use of trusts can be found on our Inheritance Tax & Trusts page.

Critical illness cover

Critical illness cover is designed to pay out the sum insured upon diagnosis of a serious illness such as cancer, stroke or heart attack.

Terms and conditions vary between policy providers and so does the cost so it is important to take independent financial advice when arranging a contract.

Typically critical illness policies are used to provide a lump sum to reduce your liabilities such as a mortgage and buying you time to come to terms with your condition and make any changes to your life as a result.

A general guide to critical illness insurance can be found on the FSA website www.moneymadeclear.fsa.gov.uk

Income protection

Income protection insurance provides you with an income in the event that long-term illness or accident prevents you from working .

The basic State incapacity benefits are minimal so if you could not meet your living costs in the event of long-term illness or accident you should consider an income protection policy.

We can provide you with an assessment of any likely shortfall in income and the cost of insuring yourself.

There are many types of income protection contracts on offer so it is important to take impartial independent financial advice.

Amber Wealth Creation Ltd is authorised and regulated by the Financial Services Authority. FSA Registration No: 401162.
Please note that the Financial Services Authority does not regulate taxation and trust advice, wills, bank deposits, national savings and some forms of buy to let mortgages and commercial mortgages.
Your home may be repossessed if you do not keep up repayments on your mortgage.