How To Protect Your Income Have you considered what would happen if you couldn’t work due to an illness or an accident? If you are employed, how long will your company continue to pay your salary? If you’re self-employed, do you have emergency funds to access? What about long-term, where you cannot go back to [...]
What is cash flow modelling? Cash flow modelling is a tool used by Lifestyle Financial Planners to help clients understand their current financial position and their future financial position by generating a graphical, financial planning forecast. In short it shows a client whether or not they may run out of money in the future, whether [...]
Offshore Life Insurance Investment Bonds What are offshore bonds? In technical terms, they are non-qualifying whole of life insurance policies. In practical terms, they are a tax efficient ‘wrapper’, much like a pension or ISA wrapper. Why are offshore bonds so tax efficient? Other than a small element of withholding tax, all of the investments [...]
EU Ruling Impacts Insurance Premiums & Annuity Rates As a result of Test-Achats, which is a Belgium consumer protection agency challenging whether it is legal for insurance companies to discriminate on the basis of gender, the European Court of Justice has ruled that from 21st December 2012, all new insurance contracts implemented across the 27 [...]