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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. Under the current adverse economic climate with many properties in negative equity there is a potential financial exposure for the dependants of the investor who may ultimately be liable to the outstanding loans.
Critical 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 41%.
Executive PHI – compnany 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 41% 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.