Life Cover

We now live in very uncertain times and no doubt many people have been considering what would happen to their loved ones if the unthinkable happened.

Many people simply go online and seek out the cheapest policy which may or may not be the best solution. Unfortunately, this can only become apparent when a claim is submitted, and the beneficiaries may have to sort out complex legal and taxation issues before any money can be paid. The last thing that people expect is HMRC demanding a share of the benefits!

At Prosperis we will thoroughly review the market based on both your financial circumstances and state of health before we recommend a policy.

As part of this service we will advise on the most efficient way to structure how the benefits will be paid. In many cases, this will involve using a trust to facilitate the payments in the way the policyholder wishes. As fully authorised advisers, Prosperis will guide you through this to ensure the policy suits your specific needs.