Life Insurance

Life assurance is designed to provide support for your dependents 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.

Find answers to your most pressing questions about our protection planning services and process. 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.

Get Expert Advice Today

Are you ready to safeguard your financial future and protect yourself and your loved ones from excessive taxes? Reach out to Fintegrity IFA for a tailored consultation. Our experienced team is dedicated to walking you through each step of the journey, ensuring your peace of mind.

Neil Jenkins, Financial Planning Expert

Life insurance is more than just a policy; it’s a commitment to your family’s future well-being, providing essential financial support that can ease the burden of unexpected events. Imagine the peace of mind that comes from knowing your loved ones can maintain their quality of life, covering everything from daily expenses to educational needs without the stress of financial instability. With tailored life insurance solutions, you can protect your family against unforeseen difficulties, allowing them to focus on remembering you fondly rather than worrying about financial strain. At Fintegrity, we believe in equipping families with the right tools to navigate life’s uncertainties, so you can enjoy every moment knowing that your loved ones are secure.

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 emphasise 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.

What Our Clients Say

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.

Neil Jenkins owner of Fintegrity

Expert financial planning advice is essential for securing your future in a world of financial change. Whether managing investments, planning for retirement, or providing financial security for your family, professional guidance can help you make informed decisions aligned with your goals, giving you the confidence to enjoy life, knowing your financial health is in capable hands.

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