Family Protection
Life Cover – we review existing personal protection needs of clients ensuring they are adequate for the needs of our clients and their families both from a cost and adequacy perspective. Capital Lump Sums on death, and family income benefits can now be offered.
Deceasing Term Life Cover – many people are currently paying too much for their mortgage protection. There is a need to review these plans to get more competitive premiums. Many clients have investment properties with protection.
Specified Illness Cover – we provide tax free capital lump sums in the event of contracting a specified critical illness.
Income Protection – we provide of up to 75% of salary in the event that an employee or self-employed individual is unable to work due to sickness or accident. Premiums on this cover attract income tax relief of up to 40%.
Executive PHI – company paid income protection for company directors which will pay up to 75% of salary in the event that a company director is unable to work due to sickness or accident.
Executive Term – company death in service life cover for company directors which will pay the deceased’s estate up to 4 times final salary on death tax free to the deceased’s estate.
Personal Pension Term Assurance – life cover for the self-employed which attracts income tax relief of up to 40% and pays a tax free capital lump sum to the deceased’s estate.
Business Protection
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Company Directors, Partnership or Shareholders Assurance. Are you aware that more than 90% of companies and partnerships currently have no business protection of any kind in place!
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AEM FP will talk to company directors and partners about providing peace of mind by ensuring funding is available in the unfortunate event of the death of a business partner, allowing the surviving director/partner to purchase the shareholding from the deceased’s estate. The costs of this cover can be exclusively funded by the company/firm.
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Keyman Assurance – we provide company funded cover to compensate the company on the death of a key employee. Funding can help recruit, train and even pay the salary to a replacement employee for a number of years.