Whole of Life

Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection.

What is it?

As the name implies, this type of life assurance pays out when you die, whenever that may be. It is usually, but not always, a more expensive option than term assurance simply because the life assurance company knows that it will definitely pay out at some point.

Many of these plans offer some form of investment content and so can be more flexible than term assurance and can acquire cash in values.

 

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death, whenever it may occur.

It can be used to pay off debts that will not be repaid during your lifetime.

For those who want to leave a lump sum to pay a potential inheritance tax liability. As Whole of Market Mortgage and Protection Advisers we can help you find the plan that best meets your requirements.

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Please note there will be a minimum fee of £225.00 for the Residential Mortgage Advice given which will be payable upon completion of the mortgage. This fee may however change dependent on the size of the loan.

For Commercial mortgages 0.5% of the mortgage advance (for example on a mortgage advance of £150,000 our fee will be £750.00 payable on completion).

Buy to Let Mortgages a minimum fee of £225.00 will be payable on completion of the mortgage, although this fee may change dependent on the size of the loan. 

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

The Financial Conduct Authority does not regulate some aspects of buy to let mortgages & commercial mortgages.

Registered Name: Haley Financial Services Limited 2, Turnberry Drive,Whitestone,Nuneaton,Warwickshire,CV11 6TT Registered in England and Wales No 05188529 is authorised and regulated by the Financial Conduct Authority. FCA Registration No 313461. Click here to visit the FCA website

Registered Address: As above. 

You must be 18 years and over to take out a mortgage. The guidance and /or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.