Life Insurance

Life assurance is designed to provide support for your loved ones during a challenging time. By securing a cash lump sum, you can help alleviate the financial burden of your passing, enabling them to settle your mortgage and maintain their quality of life. While it cannot replace the love you share, it offers them the means to continue living the life you envisioned for them.
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In the event of your passing, a tax-free cash lump sum will be paid out, providing financial security for your loved ones; additionally, certain insurers may offer a payout if you are diagnosed with a terminal illness. You have the option to select coverage that is decreasing, level, or increasing, which can be linked to inflation to preserve the purchasing power of your insurance amount. To further enhance your policy, you can include optional benefits such as critical illness coverage, fracture protection, or premium payment safeguarding.
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Why Choose Fintegrity

Our services are designed to provide peace of mind and financial security for you and your loved ones.

Personalised Approach

We tailor our strategies to meet your unique financial situation and goals.

Experienced Advisors
Our dedicated team comprises highly skilled professionals with a wealth of experience in financial planning.
Proactive Planning
We emphasize innovative strategies designed to enhance your investment performance while effectively reducing the burden of taxes.
Transparent Communication

We ensure clear and straightforward communication, keeping you informed every step of the way.

Get Expert Advice Today

Ready to secure your financial future and protect your loved ones from unnecessary taxes? Contact Fintegrity IFA for a personalized consultation. Our experts are here to guide you through every step of the process.

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The information provided in these FAQs does not constitute professional financial advice. We strongly recommend that you consult a professional adviser before proceeding with a financial transaction.

Is life insurance worth getting?
If you have children, a partner, or anyone who relies on your financial support, a life insurance policy can provide them with essential financial security in the event of your passing.
What is life insurance and how does it work?
Life insurance is an agreement between you and an insurance provider where you make regular premium payments, and in exchange, they guarantee a lump sum payment to your beneficiaries upon your passing.
How is a life insurance payout taxed?
Your loved ones will not be liable for any tax on either a cash lump sum or a regular income received from a life insurance policy, providing them with peace of mind during a challenging time. However, please be aware that the applicability of this tax treatment may vary based on individual circumstances and could change in the future.
Can I have more than one life insurance policy?
You can hold as many policies as you like without any limitations.
How do I get life insurance?
To obtain life insurance, you need to fill out a proposal form where you’ll provide details about your occupation, income, and health status. The insurance company may either issue a policy right away at the initially quoted rate or request additional information. If you have a history of health issues, the insurer will likely ask for further details and may also obtain information from your GP or recommend a brief medical examination. Once they gather all the necessary information, they will present you with terms, which could differ from the initial quote. Engaging a financial adviser can be beneficial in this process, as they often perform a pre-underwriting check to identify the insurer that will provide the best possible terms for you.
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What Our Client’s Say About Us

“Neil is knowledgable and also has the skills to transfer this knowledge through years of experience - diverse - but all within a financial setting. He was tolerant and patient and explained his actions in simple language that was easy to understand."

– Jenny

"Neil gave us great advice in an easy to understand way and was very friendly, professional and helpful. We have already recommended him to people we know."

– Susan

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"He made sure the family were involved with the process and he was always on the other end of the phone. I spoke with other advisers about my plans but Neil was easily the one of my choice."

– Valerie

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I wanted to retire but needed to check it was viable and needed advice regarding drawdown, pension amalgamation, savings. Neil listed well, took time to write up a detailed assessment of my needs, risk preferences, options. I now feel confident about retiring. Neil confirmed the validity of some of the ideas I had, but also gave me alternative strategies I hadn't thought of, which made more sense.

Gill

Life was changing and, at age 60, my job prospects were uncertain. Neil helped us to identify what immediate financial worries we had, and life goals we wanted to achieve in the future. Neil asked us about what level of risk we were happy to engage in, and after that meeting devised a suggested plan based on the answers we gave. the immediate results have been positive; paying off the mortgage from my various pension pots, gathering them into a new managed portfolio have resulted in an immediate reduction in monthly outgoings and a sense of having more active control over my finances has given us peace of mind

Adam

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I was looking for guidance and support on where to invest my savings. Neil was super friendly, helpful and approachable and did a great job of explaining things in layman's terms!

Nicola

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As I had made a decision to take early retirement, he helped me to plan and set up a retirement fund. This all proceeded very efficiently. So far so good!

Nick

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Neil asked us thorough questions so that he had a very good understanding of our financial situation. He presented his findings to us in an easy to understand format and explained everything clearly. He offered very good advice and we felt confident that he was very knowledgeable in all areas that he helped us in. I felt that he was a safe pair of hands. He was easy to deal with, always responded quickly, and I found him very trustworthy and impartial.

Emily

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He talked me through the options after ascertaining my attitude to risk/reward and analysing my outgoings and plans for the future. Started in March 2021 and it seems to be going to plan.

Paul

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Neil Jenkins owner of Fintegrity

Contact Us Today

Ready to secure your financial future and protect your loved ones from unnecessary taxes? Contact Fintegrity IFA for a personalized consultation. Our experts are here to guide you through every step of the process.

0203 086 7043
hello@fintegrityifa.co.uk

The Workers’ League House, 44-50 Royal Parade Mews, Blackheath, London, SE3 0TN

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