Life Assurance

Financial protection for couples and families

Imagine losing a big chunk of your household income – or being left to bring up your children on your own. When you consider the consequences of a partner becoming seriously ill or dying, it’s alarming how many couples and families with a mortgage and other outgoings don’t have life insurance to protect them.

What is life insurance?

Life insurance pays a tax-free lump sum or regular income if the policyholder dies or is diagnosed with a serious illness or permanent disability. You can set up a policy to run for a fixed number of years or the rest of your life. And cover is based on your general health, whether you smoke and your family’s medical history.

Why you should consider it

  • Having life insurance gives you peace of mind that you’ll be able to pay the bills if something happens to a breadwinner in the family.
  • You can use the money for any purpose such as paying off your mortgage, covering the cost of childcare and school fees, or paying for private medical care.
  • It’s important to review your cover at key stages in your life – so you and your family are always protected if the worst should happen.

How we can help

At Macbeth, we can help you decide how much life cover you need, whether you’re buying your first home as a couple, getting married, starting a family or planning to retire. As an Independent Financial Adviser, we have access to the entire insurance market – so we can find you the best possible cover at the most competitive price.

We can also make sure that your life insurance policy is set up properly, potentially using a trust for tax efficiency. In many cases, the right trust can protect payments from potential Inheritance Tax – and ensure that the money goes to the appropriate beneficiary as quickly as possible.

Because we’re independent, our approach is client focused rather than product led. We’re not here to sell insurance policies. We’re here to give expert advice that’s tailored to your requirements. And when we do this, the right policy follows naturally.

“I would strongly recommend meeting with Simon Claxton at Macbeth– he has helped me and a number of my clients and I know him very well. I do believe he knows what he is doing with regard to wealth management, but most importantly his stance on integrity and fee structures are the most honourable I have ever met in his field.”

James Butler

Macbeth Financial Services Ltd is an Appointed Representative of 2plan wealth management Ltd. 2plan wealth management Ltd is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register ( under reference 461598  |  Registered in England & Wales No. 8542176  |  Registered Office: 4 Commerce Park, Brunel Road, Theale, Reading, Berkshire, RG7 4AB

Get in touch:   Reading: 0118 916 5480   London: 020 7036 8767