all the insurances you need - and all straight to the point
|
|
- Corey Underwood
- 6 years ago
- Views:
Transcription
1 all the insurances you need - and all straight to the point
2 contents It was nice to make such a big saving and in just one phone call. ST&R cut my home insurance costs by a third. VW, Hampshire Real Peace-of-Mind A Better Service Our Insurance Vault The advice I ve received from ST&R over the years has been outstanding both in terms of personal insurance and cover for my business Your Mortgage Point Life Cover Income Protection Business Protection Discover the ST&R service for yourself today. Simply call : JO, Lancashire 15 Our People for New Sales select option 1 17 Frequently Asked Questions for Customer Services select option 2 19 Discover ST&R for Claims Help and Support select option 3
3 You want great insurance and real peace-of-mind? LET'S GET STRAIGHT TO THE POINT One stop for all your insurance needs. Gadget, Home, Health, Life, Travel, Pet, Car, Business and more we ve got it all covered. Automatic insurance renewal reminders. Never miss a renewal date again when you download our free app or via your vault account online. Just imagine dealing with an insurance broker that really does take care of everything. A broker that not only works harder to find the most competitive insurance products to meet your needs, but also provides free 24/7 access to Our Insurance Vault a safer place to store all your insurance policies online. A broker that understands that you want quick, honest, expert and jargon-free insurance advice rather than spending hours on the phone or trawling through price comparison websites. Established in 2012, to offer a new standard in the world of insurance, that broker is ST&R. Wide range of insurance providers. Totally independent, we ll search out the most competitive, best quality insurance products to suit your needs. Multi-insurance savings. Enjoy additional savings when you take out more than one policy with us. Free, safe online storage. Keep all your insurance policies safe in one place through Our Insurance Vault. Unique SOS (Serious On Savings) insurance app. Simply send us a snap of your policy for a rapid, hasslefree comparison quote. Business and landlord insurances. See how we can provide the specialist cover you need for less. We deal directly with insurers and underwriters. Get a prompt decision, even if you ve been refused cover elsewhere. First-class customer care, advice and claims support. Our highly trained team of insurance ST&R s is only a phone call away. A broker that automatically notifies you when it s renewal time then completes a wide range of searches without any obligation, all to make sure you re getting the very best cover. Read on to discover how getting the best value cover you need has never been easier. 1 2
4 everything we do points to a better service - OUR GOAL IS TO BE YOUR TRUSTED, ONE-STOP INSURANCE PROVIDER Over 50 s Insurance Health Insurance Landlord Insurance Non-Standard Life Insurance Life Insurance Income Protection Within the first two years of operating, more than 20,000 individuals, landlords and businesses discovered that we offer a much simpler way to find the quality insurance products they need. Totally independent, our wide range of product searches means we are almost always able to offer greater choice and value. Our simple, straightforward application processes mean that in most cases cover can be arranged during your call. And because we do all the hard work, you can forget having to compare the market online or spending hours on the phone gathering quotes. Perhaps most importantly, dealing with ST&R ensures you gain the peace-of-mind in knowing that you will be protected by quality insurance products each carefully matched to your requirements. Factor in our multi-policy discounts (where your various insurance products don t have to be from the same insurer) and it s easy to see how making us your broker really does pay. Home Insurance Business Protection Critical Illness Travel Insurance Pet Insurance Gadget Insurance Decisions in Principle (DIPS) & Mortgages 3 4
5 Our Insurance Vault - the safe, free place for all your insurance documents At ST&R we simply use our expertise to help our customers enjoy better value, better quality insurance products. Extremely helpful and saved me 144! As my home has a flat roof, getting competitive insurance cover hasn t always been easy. So when ST&R said they d be able to reduce the cost of my buildings and contents insurance, I was naturally dubious. ST&R were true to their word and came back with an option that was not only as good as my previous cover but saved me 144 a year. My ST&R advisor was friendly, helpful and really knew his stuff. He wasn t at all pushy. The whole process was trouble-free and he genuinely wanted to help. Through our sister company Our Insurance Vault, we offer free online storage for all your insurance records and not just the policies that are arranged through us. Safe, secure and totally confidential, you can upload and access all your policies and even compare insurance deals in just a few clicks. What s more, the benefits don t end there. Our Insurance Vault will send you reminders at renewal time. Plus you ll receive better deals on expiring policies from your very own ST&R consultant. Safely store all your ST&R insurance policies in our secure online vault. Upload all your other insurance documents to your own personalised vault free of charge. Always know exactly where your policy documents are whenever you need them. Accident away from home? Access your policy documents immediately. Protect your documents even if paper copies are lost or destroyed. Receive personalised alerts from us at renewal time. 24 Hour Access. The Your Vault app is the first insurance app of its kind, giving easy, instant access to Our Insurance Vault from your smartphone or tablet. Thanks to the app s built-in SOS (Serious On Savings) service, we can even send you competitive comparison quotes. All we need is a picture of your insurance policy! Download the Your Vault app free from the App Store. NC, Hampshire 5 6
6 your mortgage point ensuring your home financials are always on point We make the mortgage process as quick and easy as professionally possible. Whether you are a first time buyer, looking at a New Build home, re-mortgaging an existing property or considering a Buy To Let, the first thing you need is a Decision in Principle (DIP) to see if you are eligible for the loan. We have helped people who are buying ex-council houses, flats, high rise and those who may have been denied mortgages previously. That s because we consider your individual circumstances, not just your credit profile. All income types covering employed, self-employed, temporary/zero-hour contracts, DWP benefits, or pension. Impaired Credit History catering for small or life events and Debt Management Plans can be considered too. CCJs and Defaults accepted (even in the last 12 months). We can provide a Decision for 249 or a Lifetime decision option for 999, which allows you to get a decision for any future re-mortgage s or purchase s for a residential or BTL property. Therefore allowing you to complete a purchase or re-mortgage without any charge from us again! Either option allows you a full mortgage and protection review. What s more, when you get the keys to your new home or the re-mortgage is completed, we could send you 250 of high street vouchers T s & C s apply. Terms and Conditions* 250 of high street vouchers will be offered to you if we look after all of your mortgage and protection policies. 7 8
7 life, critical and serious illness cover Outstanding personal and business insurance advice. The advice I ve received from ST&R over the years has been outstanding, in terms of both personal insurance and cover for my business. They have arranged my life insurance, provided critical illness cover for my family, insured our cars and taken care of my buildings and contents cover. Their considerable knowledge regarding tax matters has also been incredibly helpful. It was only when I was diagnosed with a particularly rare form of cancer a few years ago and needed quite specific insurance advice that I realised just how committed they are to providing first-class customer service. ST&R is a fantastic company. I recommend them without hesitation. Life Insurance ST&R is a market leader in setting up Life Insurance policies. Such policies are designed to pay out a tax-free cash lump sum in the event of you being diagnosed with a Terminal Illness or in the event of your death. At inception, you choose the amount of cover you want and for how long you want it, with the aim of providing financial stability to your family. Critical Illness ST&R is also a market leader in setting up Critical Illness Insurance policies. A Critical Illness policy is designed to pay out a tax-free cash lump sum in the event of you meeting a medical condition as defined by your chosen insurance provider. Serious Illness ST&R has the expertise to set up a policy for you that will pay out a tax-free cash lump sum in the event of you meeting a defined medical condition. Unlike a Critical Illness policy, a Serious Illness policy pays out a proportionate amount depending on the severity of your condition. In the event that your condition gradually deteriorates, the pay-out you can receive increases. ST&R provides a wide range of insurance products for our business including relevant life cover, key person insurance, shareholder protection and our death in service scheme. JO, Lancashire - GI, Preston 9 10
8 your income, protected - afford to live when you re unable to work Are you risking your income? Take a look at some of the figures we have taken from the Drewberry Insurance Protection Survery % 20% have had an Income Protection policy have had to take 3 months or more off work due to sickness or injury 36% 58% have had to take a month or longer off work due to sickness or injury receive 3 months or less sick pay from their employer The misconception with Income Protection is that it is only really needed if you are self-employed. In reality the risk of falling unwell or sustaining an injury that prevents you from working, is one which affects any employed person. Statutory Sick Pay (SSP) in the UK was set at per week at the end of If you re employed, this is paid by your employer for up to 28 weeks (6 and a half months) but not all employers pay it for that long, or at all. Plus, it only equates to 2, If you are self-employed, this cannot be paid by your clients. Income Protection is designed to provide you with a replacement salary during your recovery period to allow you to afford to live, pay household bills and mortgage payments, and can be as affordable as 5 per month. 24% receive no sick pay at all 29% have less than one month s income in savings 55% only have up to 3 months income in savings We are offering an exclusive 10% off income protection policies for existing customers and family members. APPLY NOW 11 12
9 business insurance - MAKING THE WELFARE OF YOUR BUSINESS OUR BUSINESS Key person cover and continuity planning Shareholder protection policies Wealth management Tax-efficient relevant life planning Succession strategies and planning True insurance experts, James and his team are very thorough in everything they do for us and exceptionally professional. We first began working with ST&R when they appointed us as their accountants about four years ago. They are experts in a number of areas and, thanks to their close links with underwriters, can often arrange cover where it has previously been refused particularly where health matters are involved. We like their philosophy. They do a sterling job for us. We know from experience just how much hard work goes into establishing, building and growing a successful business. That s why we believe we re uniquely placed to help protect the future of the business you ve worked so hard to build. Through a no-obligation business health check, carried out by one of our Business Protection Specialists, we ll aim to identify all the potential issues that could impact your business and provide a range of affordable options. At ST&R we can set up a Relevant Life Plan to provide cover for your outstanding mortgages, car finance and any other debts. It can even be in place if you just want to leave something extra behind for your children. This means that should something happen, you will always have the peace-of-mind that you and your family will remain financially secure. If you currently have personal life insurance, or life and critical illness cover, that is not set up as a Relevant Life Plan, speak to us today and let us save you money! At ST&R we believe it s time to put life cover on expenses! A Relevant Life Plan is a very costeffective way of providing personal life cover, or life and critical illness cover, to anyone in your company - including director/shareholders. The rules allow for personal life insurance to be run through your business. With corporation tax relief available and no additional income tax or NI to pay, it is incredibly tax efficient - you can save up to 49% when compared to a standard plan! Our health check will establish if: Your company is protected from financial losses should you or a key person die, or be diagnosed with a terminal or critical illness. Your company has the funds to repay all loans, corporate debts and director s loans if one of the shareholders dies or suffers a critical illness. Your company has the funds and supporting legal framework to purchase the shares from a shareholder if they are diagnosed with a critical illness and wish to resign. GI, Preston 13 14
10 THE people behind our ST&R SERVICE Steve Lomas Group Chief Operating Officer James Slater Group Chief Executive Officer ST&R is the brainchild of James Slater. James has spent more than 20 years working in the Financial Services sector. Always believing there was a much better way to provide insurance products, he created ST&R in James also set up Our Insurance Vault and ST&R s fully accredited NVQ training academy where the insurance ST&R s of tomorrow are taught. James says I established Our Insurance Vault because I wanted to create a safe place for our customers to store their insurance policies with the benefit of 24/7 access and to make getting the best deal at renewal time extremely simple and straightforward. Natasha Slater Group Chief Financial Officer Group Co-founder Natasha shares James s passion for offering outstanding products, value and customer service. She takes care of all financial aspects of the group businesses, and assists with their smooth day-to-day running. Everything we do is for the benefit of our customers, she says. When you have family-run and owned businesses, it s extremely important to provide a firstclass service and recognise the considerable responsibility of helping people select the most suitable insurance products. Steve worked with James for many years before helping him build ST&R, Our Insurance Vault and ST&R s training academy. Steve s focus is centred on the quality of advice given to customers. I like to save customers money, but not at the cost of cover, he says. Steve is also passionate about the ST&R Academy and the career opportunities it provides locally. We have always believed that our best people are our homegrown talent, he adds. Sarah Griffiths Sales Director Just like Steve, Sarah has been with ST&R since the outset and brings real stability and knowledge to the business. Calling on her many years of providing expert insurance advice, Sarah knows exactly what customers are looking for and how to provide it. Sarah s goal is to make sure all ST&R employees meet the high expectations set by James. Sarah says James expects the highest standards and supports us all in ensuring they are met. Training tomorrow s ST&R s We run our own training academy for apprentices and new recruits. In short, it s your guarantee that whenever you call us now or in the future you ll speak to a highly experienced advisor
11 frequently asked questions - get ready to enjoy the st&r service Choose ST&R for your insurance needs and you ll receive first-class service from day one. We re renowned for looking after our customers and want you to know that we ll never be more than a phone call away. If you have any questions about your ST&R policies, please don t hesitate to get in touch. In the meantime, here are just a few of the questions that are often asked by our customers How will I receive my insurance documents? When you take out a new policy with us, we ll aim to issue your documents in as little as 48 hours. Your policy documents will be safely stored online in your personal vault account and we ll details of how to access them. It really is very simple. If you d prefer to receive your documents by post, they will normally be with you within 3 working days. Our Insurance Vault looks really useful. Is it free? Yes, this service is completely free. Every time we issue insurance documents to you, we will upload them into your personal vault account for you to review and download whenever you need them. You can also upload insurance documents from other insurance companies to the vault for safekeeping. How do I contact your Service Team? Whatever the question or query, simply call to speak to a member of our highly trained Service Team. If your query is about an existing ST&R policy, please have the policy number to hand. I want to amend a policy. What should I do? Just call our Service Team on In most cases, they will be able to make any changes right away, to ensure that you continue to enjoy complete peace-of-mind from a policy that fully meets your needs. How do I make a claim? Most important of all, don t panic. If possible, have your policy details to hand or access them via Our Insurance Vault then give us a call as soon as possible on We aim to help settle all claims quickly even in the most complex of cases. How can I make sure I never miss a renewal? We ll always contact you in good time before a renewal is due. Download the Your Vault app and we ll even send reminders direct to your phone. What is a Trust and do I need one? A Trust is a legal arrangement that allows you to gift the proceeds of your life policy to another person or persons. Unlike a Will, it cannot be contested. When you take out life insurance, it s important to also think about setting up a Trust. Putting your policy In Trust puts you in control of who will benefit from your policy and how much they will receive. A Trust helps ensure faster payment to your beneficiaries and that no inheritance tax liability occurs. How do I set up a Trust? We offer a free, dedicated Trust service and can help you throughout the process of arranging for your life policy to be written into Trust. We have our own in-house accountant and work in partnership with a firm of solicitors. For a guide on how to set up a Trust yourself, download our Trust Form at Will I receive a discount for having more than one policy with you? At ST&R we believe in rewarding loyalty. That s why we offer generous multi-product discounts. To benefit, you ll simply need to take out one of our protection products such as life insurance. You will then be entitled to savings off all of our general insurance products. Can I cancel my life cover at any time? Of course. If at any time you decide that you no longer require your life cover or feel that it no longer meets your needs, you can cancel it free-of-charge. If your needs have changed, however, please let us know so that we can look at more suitable options. Call us on to find out more
12 Isn't it time you discovered our ST&R service? Thank you for taking the time to read our brochure. We hope that we have shown how we do things just that little bit differently all to bring you better quality insurance products, great service and exceptional value for money. Discover the ST&R service for yourself today. Simply call : for New Sales select option 1 for our Customer Services select option 2 for Claims Help and Support select option 3 Whatever your insurance requirements, choosing ST&R means access to some of the very best known names, all without having to shop around. Our close relationship with many leading underwriters also means you ll find we can often arrange cover even if you have previously been turned down for health or other reasons. We are directly authorised by the Financial Conduct Authority to advise on all protection and general insurance products. In short, we are the one-stop shop for all your insurance needs. Specially chosen points of interest for you
13 access your policies day or night Download the Your Vault app for free from the App Store. All the insurances you need - and all straight to the point Service Team info@starlimited.co.uk ST&R Limited is regulated by the Finance Conduct Authority (FCA No ) Copyright ST&R Limited. 21
USaver. USaver Reach. USaver SMSF. UHomeLoan. Features. 1. Save money. 2. Save time. 3. Save worry
U BANK UBank information 13.10.2017 U BANK ubank.com.au 13 30 80 Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Lee Hatton, CEO, UBank UBank is all
More informationGuide to buying an annuity
Guide to buying an annuity 2 Welcome to our guide to buying an annuity You now have more choice than ever before when it comes to using your pension savings. Of course having more options can make it difficult
More informationStakeholder Pension. The simple way to start a pension plan. Retirement Investments Insurance Health
Stakeholder Pension The simple way to start a pension plan Retirement Investments Insurance Health Introduction Any decision you make about investing for your future retirement needs careful consideration
More informationPersonal Sick Pay. Paying you an income if you can t work because of an accident or illness
Personal Sick Pay Paying you an income if you can t work because of an accident or illness Personal Sick Pay How it works when you can t Personal Sick Pay is a type of income protection insurance which
More informationGuide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust
Guide to trusts A brief guide to Trusts and our Trustbuilder tool This brief guide explains some of the main features and benefits of our trusts, and gives you some information to help you decide whether
More informationIncome Protection Benefit. How would you cope without an income?
Income Protection Benefit How would you cope without an income? Contents 3 Ensure you re ready 4 The plan - your questions answered 5 Being there for Michael when he needed us most 6 Income protection.
More informationGuide to trusts. A brief guide to Trusts and our Trustbuilder tool
Guide to trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and benefits of our
More informationPension Portfolio J26372_LF10207_0318.indd 1 05/03/18 6:39 am
Pension Portfolio could be the perfect home for your pension. It allows you to take full advantage of the pension freedoms. Pension Portfolio has two options - Core and Choice - which are designed to meet
More informationHelping your loved ones. Simple steps to providing for your family and friends
Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 05 Do you know how much you re worth? 07 Making lifetime
More informationA brief guide to Trusts and our Trustbuilder tool
guide to guide to trusts trusts A brief guide to Trusts and our Trustbuilder tool A Brief guide to Trusts and our Trustbuilder tool Introduction This brief guide explains some of the main features and
More informationYou have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a
You have many choices when it comes to money and investing. Only one was created with you in mind. A Structured Settlement can provide hope and a secure future. Tax-Free. Guaranteed Benefits. Custom-Designed.
More informationLife and protection insurance explained
protection? illness Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind.
More informationRetirement Investments Insurance. Pensions. made simple TAKE CONTROL OF YOUR FUTURE
Retirement Investments Insurance Pensions made simple TAKE CONTROL OF YOUR FUTURE Contents First things first... 5 Why pensions are so important... 6 How a pension plan works... 8 A 20 year old needs to
More informationLife and protection insurance explained
illness Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If you
More informationUse your property to your advantage. A guide to our Second Home and Buy to Let Products
Use your property to your advantage A guide to our Second Home and Buy to Let Products Introducing Retirement Advantage 2 A guide to our Second Home and Buy to Let Products Previously known as MGM Advantage
More informationUnilever UK Pension Fund At Retirement Booklet
Unilever UK Pension Fund At Retirement Booklet Please complete your details in this table Your name Your date of birth Your retirement date Your State Pension Age * * If you don t know your state pension
More informationFlexible Trust - Settlor as trustee with optional survivorship clause. Your questions answered
Flexible Trust - Settlor as trustee with optional survivorship clause Flexible Trust - Settlor as trustee with optional survivorship clause Understanding trusts and their implications can be pretty complicated.
More informationEquity Release. A guide to our Lifetime Mortgage products
Equity Release A guide to our Lifetime Mortgage products Introducing Retirement Advantage 2 A guide to our Lifetime Mortgage products Retirement Advantage is a wellestablished company that can trace its
More informationMORTGAGE PRODUCT TRANSFER SERVICE
MORTGAGE PRODUCT TRANSFER SERVICE Everything you need to know about using our service WELCOME Thank you for choosing to use our product transfer service. When it comes to renewing a customer s mortgage,
More informationYour guide to lifetime mortgages
Your guide to lifetime mortgages What is a lifetime mortgage? 1 What difference could a lifetime mortgage make to you? 4 What is a lifetime mortgage? A way of releasing money from your home without having
More informationAll you need to know Optional Payment Lifetime Mortgage
All you need to know Optional Payment Lifetime Mortgage Contents Section 1 All about our Lifetime Mortgages 3 Section 2 Applying for a lifetime mortgage 11 Section 3 What happens if your circumstances
More informationIncome protection. Paying you a monthly income if you can t work because of an accident or illness
Income protection Paying you a monthly income if you can t work because of an accident or illness Income Protection How it works when you can t Income Protection is a type of insurance which helps replace
More informationYour guide to lifetime mortgages
Your guide to lifetime mortgages 1 What is a lifetime mortgage? 1 How you spend the money is up to you 2 We offer two Lifetime Mortgages 3 What difference could a lifetime mortgage make? 4 Discovering
More informationNewsletter Introduction. Pension Scheme
Pension Scheme Newsletter 2019 Introduction Welcome to your 2019 Pension scheme newsletter. The Petrofac Group Flexible Retirement Plan, with the support from our pension advisers, 1825, is a unique employee
More informationTHE AURUM COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
THE AURUM COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Your AURUM company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS TO HELP
More informationRe lease. Thinking about releasing money from your home?
Thinking about releasing money from your home? Re lease Our step-by-step guide to equity release from Aviva outlines the key factors you should consider Retirement Investments Insurance Health Re lease
More informationpension annuity customer guide guaranteed income for life
pension annuity customer guide guaranteed income for life 2 pension annuity If you re thinking... I want a secure income that is guaranteed to be paid for life. How can I be sure I ll get the most out
More informationProtecting Families. Getting the conversation started. Retirement Investments Insurance Health
Retirement Investments Insurance Health Protecting Families Getting the conversation started For financial adviser use only. Not approved for use with customers. Unearthing opportunities in an ever-changing
More informationGetting the retirement income you need RETIREMENT PLANNING
Getting the retirement income you need RETIREMENT PLANNING 01 It can be a big decision. But you don t have to make it on your own Whether your retirement is still a little way off or coming up quickly,
More informationGUIDE TO OUR MORTGAGE & PROTECTION SERVICES. Affordable and sustainable solutions designed for you
GUIDE TO OUR MORTGAGE & PROTECTION SERVICES Affordable and sustainable solutions designed for you 2 GUIDE TO OUR MORTGAGE & PROTECTION SERVICES Contents Intrinsic shares our values and beliefs about being
More informationWelcome to HESTA. March make it count
Welcome to March 2018 make it count Camille Koch Registered Nurse Winner - Individual Distinction Award Aged Care Awards 2 hello and welcome You ve joined the super fund dedicated to people like you, people
More informationabout us Authorised and regulated by the Financial Conduct Authority
about us Let s face it, seeing a financial adviser is never going to be top of your list for a fun afternoon. But deep down you know that getting professional advice on your finances would be time and
More informationEquity Release your essential guide
Equity Release your essential guide Welcome This guide has been put together to explain equity release, what it means and the options it can offer. We aim to give you as broad an overview as possible and
More informationMember Guide Arriva Workplace Pension Plan
Arriva Workplace Pension Plan I'm dreaming of taking up deep sea fishing This member guide is designed to help you understand the Arriva Workplace Pension Plan so you can make decisions that are right
More informationAviva Personal Pension
Retirement Investments Insurance Aviva Personal Pension Customer Booklet Contents 10 good reasons to start a pension 3 Introducing the Aviva Personal Pension 4 Aviva Online 5 Is the Aviva Personal Pension
More informationSHEDDING LIGHT ON LIFE INSURANCE
SHEDDING LIGHT ON LIFE INSURANCE A practical guide LEARN MORE ABOUT Safeguarding your loved ones Protecting your future Ensuring your dreams live on Life s brighter under the sun About this guide We ve
More informationA brief guide to our Flexible Trust
A brief guide to our Flexible Trust A Trust is a legal document and Trust Laws are complex, often with a lot of confusing legal jargon. At British Seniors we pride ourselves on doing the right thing by
More informationGETTING THE RETIREMENT INCOME YOU NEED LET S TALK HOW. RETIREMENT PLANNING
GETTING THE RETIREMENT INCOME YOU NEED LET S TALK HOW. RETIREMENT PLANNING 01 IT CAN BE A BIG DECISION. BUT YOU DON T HAVE TO MAKE IT ON YOUR OWN Whether your retirement is still a little way off or coming
More informationLife and protection insurance explained
Personal and family protection Life and protection insurance explained This guide explains the types of life and protection insurance available and how they can offer you valuable peace of mind. If you
More informationGlobal Wealth Advance. Working with you on your journey to financial success
Global Wealth Advance Working with you on your journey to financial success Helping you plan for your future with confidence Making it easier to achieve life s ambitions Whatever you hope to do in life,
More informationYour guide to Releasing cash from your home. Lifetime mortgages that do more from
Your guide to Releasing cash from your home Lifetime mortgages that do more from Shouldn t there be more to life than worrying about money in retirement? That s what we believe and that s why more 2 life
More informationINFORMATION FOR MORTGAGE CUSTOMERS.
INFORMATION FOR MORTGAGE CUSTOMERS. WELCOME TO YOUR GUIDE TO HALIFAX MORTGAGES. Fold back this page for a brief summary of key mortgage features. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
More informationFor financial adviser use only. Not approved for use with clients. Build your business with equity release
For financial adviser use only. Not approved for use with clients. Build your business with equity release Contents Building your business with equity release 3 Getting qualified and support 4 Creating
More informationCLARITY. Your IVA questions answered MONEY ADVICE LIFESTYLE BUDGETING
CLARITY Your IVA questions answered BUDGETING LIFESTYLE MONEY ADVICE GOT A QUESTION? Here s what we get asked the most At PayPlan, we help people resolve their debt problems by providing advice on a wide
More informationYour pension choices explained
YOUR pension YOUR future OU way YOUR way November 2017 Your pension choices explained It s YOUR journey It s YOUR choice Does your future look expensive? Three different ways to save for your retirement
More informationTHE BUSINESS OWNERS GUIDE TO WILLS AND LASTING POWERS OF ATTORNEY (LPAs)
THE BUSINESS OWNERS GUIDE TO WILLS AND LASTING POWERS OF ATTORNEY (LPAs) How successful business owners and partners can PROTECT THEIR BUSINESSES AND FAMILIES. WILL & PROBATE Welcome Nobody wants to think
More informationWe take care of estate administration. Quickly and completely. It s all we do, every day.
We take care of estate administration Quickly and completely. It s all we do, every day. At Kings Court Trust, we only do one thing: estate administration. And from the simplest estate through to multi-million
More informationGUIDE TO OUR PROTECTION SERVICES. Protecting the things that matter the most
GUIDE TO OUR PROTECTION SERVICES Protecting the things that matter the most 02 GUIDE TO INVESTING Contents Intrinsic shares our values and beliefs about being clear and transparent with our clients. This
More informationPLAN YOUR RETIREMENT INCOME
PLAN YOUR RETIREMENT INCOME YOUR RETIREMENT STORY IS ABOUT TO BEGIN A warm welcome to Dynamic Wealth. You may be thinking about retiring in the next five years or so, or maybe you ve already started the
More information1. Remortgaging: The Basics
Remortgage Guide There are many reasons why you might want to remortgage your home, but have been hesitant to do it. We ve created this remortgage guide to show you that remortgaging your home can actually
More informationWorkplace pensions Frequently asked questions. This leaflet answers some of the questions you may have about workplace pensions
Workplace pensions Frequently asked questions This leaflet answers some of the questions you may have about workplace pensions July 2013 Page 1 of 16 About workplace pensions Q1. Is everyone being enrolled
More informationLV= Flexible Guarantee Bond Series 3. Bond Conditions
LV= Flexible Guarantee Bond Series 3 Bond Conditions LV= Flexible Guarantee Bond Series 3 Bond Conditions Welcome to LV=, and to our Flexible Guarantee Bond Series 3 These Bond Conditions, together with
More informationThe Secret of the Lion
The Secret of the Lion Pay yourself first, live off the rest THE SECRET OF THE LION The lion eats first, ahead of the pack. You too should eat first by arranging an automatic deduction from your salary
More informationPartners Group Life Assurance
Partners Group Life Assurance For partnerships and limited liability partnerships. Helping you understand our policy Technical guide This is an important document which we suggest you keep in a safe place.
More informationAviva Retirement Bond
Retirement Investments Insurance Aviva Retirement Bond Customer Booklet Contents 5 good reasons to start a Retirement Bond 3 Introducing the Aviva Retirement Bond 4 Aviva Online 5 Is the Aviva Retirement
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health ISA Portfolio If you re investing for the medium to long term, then you should always consider a stocks and shares ISA with the significant tax advantages it offers.
More informationSHOPPING AROUND YOU SHOP AROUND FOR YOUR INSURANCE, WHY NOT YOUR INCOME IN RETIREMENT?
SHOPPING AROUND YOU SHOP AROUND FOR YOUR INSURANCE, WHY NOT YOUR INCOME IN RETIREMENT? WHAT DOES SHOPPING AROUND MEAN? The money you ve saved in your pension, or pension pot, is intended to help support
More informationWORKPLACE SAVINGS GUIDE
WORKPLACE SAVINGS GUIDE START HERE. We understand that pensions can be confusing and difficult to understand. That s why we ve created this guide, to explain to you how they work and why they re so important
More informationChanges to your pension. BTPS Team Members April 2018
Changes to your pension BTPS Team Members April 2018 CONTENTS page 1 Introduction Summary of the changes 2 Why are we making these changes? 3 Your BTPS benefits Your deferred benefits in the BTPS AVCs
More informationSTATE STREET UK GROUP PERSONAL PENSION SCHEME A guide to help you prepare for the retirement you want
STATE STREET UK GROUP PERSONAL PENSION SCHEME A guide to help you prepare for the retirement you want SUPPORTING LITERATURE AND TOOLS TO HELP YOU MAKE DECISIONS ABOUT YOUR COMPANY PENSION LITERATURE Key
More informationYOUR GUIDE TO THE INVESTMENT BOND
YOUR GUIDE TO THE INVESTMENT BOND CONTENTS Welcome to the Investment Bond 03 Managing your Bond 04 Investment choice 06 Summary and charges 07 Tax and your Bond 08 YOUR GUIDE TO THE INVESTMENT BOND 2 of
More informationMy recommendation includes a protection product for which I will receive a commission directly from the product provider.
Mr & Mrs Smith 1 Main Street Birmingham West Midlands B2 5LS 14 th July 2015 Dear Mr & Mrs Smith We met on 1 st July 2015 to discuss your financial planning needs. The aim of this report is to explain
More informationWorkplace pensions - Frequently Asked Questions
Workplace pensions - Frequently Asked Questions This leaflet answers some of the questions you may have about workplace pensions. Q1. Is everyone being enrolled into a workplace pension? Q2. When will
More informationSwitching accounts is easy.
Switching accounts is easy. Discover the local banking difference. At TSB, we re here to look after you. We don t get distracted by things like big corporate finance or investment banking. We use the savings
More informationLife insurance. Serious and critical illness insurance
protection? Life illness Life and protection explained A guide to personal and family protection his guide explains the types of life and p rotection available and how t hey can offer you valuable peace
More informationCOMPLETE SOLUTIONS COMPANY PENSION 1
PENSIONS INVESTMENTS LIFE INSURANCE COMPLETE SOLUTIONS COMPANY PENSION 1 YOUR COMPLETE RETIREMENT PLAN PRODUCT SNAPSHOT This booklet will give you details of the benefits available under the Complete Solutions
More informationProvident Financial Workplace Pension Scheme for CEM and CAM
Provident Financial Workplace Pension Scheme for CEM and CAM Frequently Asked Questions This document answers some of the questions you may have about the company s workplace pension scheme with NEST.
More informationRetirement Investments Retirement Insurance Health Investments Insurance Health
Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you
More informationIntelligent life insurance
Intelligent life insurance Create a flexible, personal risk insurance solution to suit you. Our life insurance goes beyond the norm: its intelligent design means that your insurance can remain cost effective
More informationGETTING THE RETIREMENT INCOME YOU NEED LET S TALK HOW. RETIREMENT PLANNING
GETTING THE RETIREMENT INCOME YOU NEED LET S TALK HOW. RETIREMENT PLANNING 01 IT CAN BE A BIG DECISION. BUT YOU DON T HAVE TO MAKE IT ON YOUR OWN Whether your retirement is still a little way off or coming
More informationSTEP BY STEP GUIDE TO BECOMING A CONTRACTOR
STEP BY STEP GUIDE TO BECOMING A CONTRACTOR EVERYTHING YOU NEED TO KNOW ABOUT BECOMING A CONTRACTOR BROKEN INTO SIMPLE STEPS CONTENTS 1. Who are we?... 3 2. What exactly is a contractor?... 4 3. Deciding
More informationHello. Classic Classic Plus
Hello. Classic Classic Plus Welcome to a different kind of banking. Hello, welcome and above all, thank you for opening a current account with TSB. You ve joined a bank that isn t like any other bank.
More informationGUIDE TO RETIREMENT PLANNING MAKING THE MOST OF THE NEW PENSION RULES TO ENJOY FREEDOM AND CHOICE IN YOUR RETIREMENT
GUIDE TO RETIREMENT PLANNING MAKING THE MOST OF THE NEW PENSION RULES TO ENJOY FREEDOM AND CHOICE IN YOUR RETIREMENT FINANCIAL GUIDE Green Financial Advice is authorised and regulated by the Financial
More informationFidelity Investment Ideas Helping you find investment opportunities
JANUARY 2019 Fidelity Investment Ideas Helping you find investment opportunities IN THIS ISSUE PAGE 3 Helping you find the help you need PAGE 5 The hands-on way to invest PAGE 6 Expertly selected ideas
More informationyourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
More informationUnderstanding pensions. A guide for people living with a terminal illness and their families
Understanding pensions A guide for people living with a terminal illness and their families 2015-16 Introduction Some people find that they want to access their pension savings early when they re ill.
More informationFinancial protection for you and your family
KEY GUIDE Financial protection for you and your family Protecting what matters most Most people s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything
More informationPersonal Sick Pay. Policy Summary
Personal Sick Pay Policy Summary This summary gives you an overview of our Personal Sick Pay product. For full details, including all the terms and conditions, please read the LV= Personal Sick Pay Policy
More informationCOMPLETE SOLUTIONS COMPANY PENSION 2
PENSIONS INVESTMENTS LIFE INSURANCE COMPLETE SOLUTIONS COMPANY PENSION 2 YOUR COMPLETE RETIREMENT PLAN PRODUCT SNAPSHOT This booklet will give you details of the benefits available under the Complete Solutions
More informationA guide to your mortgage
A guide to your mortgage Residential mortgages PAGE 1 OF 40 A straightforward guide to your new Paragon mortgage This guide takes you through what happens when you purchase a new home and take out a mortgage
More informationPRSA Guide. Get to know the advantages of a PRSA
PRSA Guide Get to know the advantages of a PRSA Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of Ireland s most successful life and
More informationyears INTEREST ONLY MORTGAGES
HOMEBUYER S GUIDE Buying a new home can be a potentially daunting process so we ve prepared this step-by-step guide to help you. It outlines the buying process and gives a guide to the different types
More informationYour AVC Scheme & Public Sector PRSA. Member Guide
Your AVC Scheme & Public Sector PRSA Member Guide 2 AVC and PRSA Member Guide Your AVC Scheme & Public Sector PRSA Contents How an AVC Plan works 6 Why an AVC Plan may be right for you 8 Setting up an
More informationGuide to. buying an annuity
Guide to buying an annuity 2 Guide to buying an annuity Welcome to our guide to buying an annuity You now have more flexibility than ever before when it comes to using your pension savings. Of course all
More informationUse your property to your advantage. A guide to our Buy-to-Let products
Use your property to your advantage A guide to our Buy-to-Let products Introducing Retirement Advantage 2 A guide to our Buy-to-Let products Retirement Advantage is a wellestablished company that can trace
More informationMeaningful financial planning. Putting you in the best place to achieve your financial goals
Meaningful financial planning Putting you in the best place to achieve your financial goals Helping you achieve your financial goals We believe having a financial plan in place will help you achieve your
More informationYour retirement. A guide for members of the defined contribution section of Pace. April 2017
Your retirement A guide for members of the defined contribution section of Pace April 0 Contents 0. Thinking about retirement?. How to decide when to retire So, when s the right time to retire? Budgeting
More informationIncome Protection Reviewable Premiums
Income Protection Reviewable Premiums Policy Summary This summary gives you an overview of our Income Protection - Reviewable Premiums product. For full details, including all the terms and conditions,
More informationReaching out to renters
For financial adviser use only. Not approved for use with customers. Reaching out to renters How to write effective letters and emails to renters about the need for protection With renting on the rise,
More informationPEGASUS WHOLE OF LIFE PLAN
KEY FACTS OF OUR PEGASUS WHOLE OF LIFE PLAN January 2018 Important information you should read Protection Pegasus Whole of Life WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your
More informationIncome Protection and Budget Income Protection
Income Protection and Budget Income Protection Key Features of the Flexible Protection Plan The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important
More informationTHE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT
THE ARMED FORCES STAKEHOLDER PENSION SCHEME A GUIDE TO HELP YOU PREPARE FOR THE RETIREMENT YOU WANT The Official Armed Forces pension scheme is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS
More informationA guide to reviewing your investments
December 2015 Additional Voluntary Contribution Scheme A guide to reviewing your investments Contents Additional Voluntary Contributions (AVCs) A reminder of how AVCs work. 2 Step 1: A brief guide to investments
More informationFinancial protection for you and your family
KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that
More informationCOMPLETE SOLUTIONS PERSONAL PENSION 1
PENSIONS INVESTMENTS LIFE INSURANCE COMPLETE SOLUTIONS PERSONAL PENSION 1 YOUR COMPLETE RETIREMENT PLAN PRODUCT SNAPSHOT This booklet will give you details of the benefits available under the Complete
More informationFlexStudent. How to use your account Plus the FlexStudent terms and conditions. Building Society
FlexStudent How to use your account Plus the FlexStudent terms and conditions Building Society What is this leaflet for? In this leaflet, you ll find information on how to use your FlexStudent account,
More informationFinancial protection for you and your family
KEY GUIDE Financial protection for you and your family KEY GUIDE January 2019 Financial protection for you and your family 2 Introduction PROTECTING WHAT MATTERS MOST Most people s finances are like a
More informationproduct guide. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond
SELECT PORTFOLIO BOND (WEALTH MANAGERS) product guide. This is an important document. Please keep it safe for future reference. Legal & General select portfolio bond 2 SELECT PORTFOLIO BOND (wealth managers)
More informationPROTECTION AND YOUR MORTGAGE CONVERSATIONS
PROTECTION AND YOUR MORTGAGE CONVERSATIONS CONVERSATION STARTERS This information is for UK financial adviser use only and should not be distributed to, or relied upon by, any other person. Mortgages and
More informationBUYING AND SELLING PROPERTY OVERSEAS A GUIDE TO INTERNATIONAL PAYMENTS
BUYING AND SELLING PROPERTY OVERSEAS A GUIDE TO INTERNATIONAL PAYMENTS CONTENTS 1 Managing the Cost of Currency 2 Top Tips for Regular Payments Overseas 3 Timing is everything 4 Caxton Premier A New Standard
More information