Simple life cover is often inexpensive. Your age, the number of years you want cover for and the amount of cover all affects the premium. However, as independent financial advisers we will review the market and recommend the most cost effective and also the most suitable cover for you. We will continue to monitor your life assurance requirements as part of our ongoing service. A regular review of your personal circumstances will be provided at a confidential meeting, so if your circumstances change, such as the arrival of another child, we will help with the reassessment of your life cover needs. The arrival of a windfall or inheritance or your children becoming financially independent might mean that your life cover needs are lower, allowing you to reduce the amount of cover required.
Life assurance is also a tool that may be used in inheritance tax planning in Spain and the UK for example.