Our Edinburgh life insurance experts are completely independent and unbiased, this means they have access to all the major life insurance providers to ensure that you are getting the best possible cover at the best possible price.
Why should you care about life insurance?
Is there anything more important than the safety and wellbeing of your family? Your home, or even your car maybe? Of course not, but if you own a car or a home, I can almost guarantee you have insurance in place for them, right?
This is what makes the current life insurance statistics in Edinburgh, and Scotland, so alarming;
HALF of all parents with children under 18 don’t have any life insurance in place at all to protect their family!
With an estimated 23,000 parents dying every year leaving dependant children behind, this is extremely worrying. That’s one parent leaving dependent children behind every 22 minutes!
Simply fill out the form below to get a completely free consultation with one of our Edinburgh life insurance experts to get you the best cover at the best cost:
How much does life insurance cost? (Probably less than you think!)
Life insurance costs vary depending on a number of personal factors, including your age, lifestyle, underlying health conditions, and whether you smoke or not.
As an example, if you are looking for life insurance in Edinburgh and are under 30 years old and don’t smoke, you should be able to get around £200,000 worth of life insurance for less than £10 per month.
Obviously, every case is judged on its own merit, so the only way you can find out for yourself is by speaking to an expert.
If you want to speak to a completely independent, unbiased Edinburgh life insurance expert, then you can get a completely free quote from one of our advisers.
This means you don’t have to spend many hours shopping around for quotes, you just give our advisor the information they need and then they can submit it to dozens of providers on your behalf.
This ensures you get the best possible cover, at the best possible price, as they have access to the entire market.
Very important things to consider before taking out a life insurance policy
One very important aspect of taking out a life insurance policy is whether or not the policy is written in trust or not.
The vast majority of people are unaware of the benefits of having their life insurance policy written trust.
So much so, that only around 6% of people with life insurance policies in the UK have their policy written in trust.
This is quite surprising as the majority of people would benefit greatly from having their life insurance policy written in trust. Some of the benefits include:
- Ability to bypass paying inheritance tax should your life insurance proceeds be subject to it.
- Ability to bypass probate in order for the life insurance to be paid out.
- Ability to control specifically how the pay out would be managed post death by your trustee.
You’re probably now wondering how much extra this service costs? Well the good news is, all our Edinburgh life insurance experts provide this service for free when you use them to take out a life insurance policy. Fill out the quick form below and one of our life insurance experts in Edinburgh will get back to you asap:
Are you the director of a limited company? If so, you can pay for your life insurance as a business expense.
If you are the director of a limited company, you can take out relevant life insurance and claim the cost against your company’s corporation tax bill as an allowable business expense.
This will mean you do not have to pay for the life insurance premiums from your post tax income.
Looking for life insurance to cover key partners or employees in your business?
Do you run a business in Edinburgh and have key partners or employees in your business that are vital to your operation running smoothly?
If so, you can take out key man life insurance, or general life insurance for your staff.
This is intended to provide financial aid to help with a transition period should the worst happen and you lose a key member of staff that is vital to running your business.
Whatever your life insurance needs are, you can speak to one of our life insurance experts in Edinburgh absolutely free to discuss your situation.
Simply fill out the form at the top of this page, it only takes 10 seconds. One of our Edinburgh protection experts will be in touch with you shortly after you submit the form. Alternatively, go ahead and give us a call on 0131 564 1940.
"I always knew I needed to seek financial advice and I always knew I needed to use an independent financial adviser so the advice I was receiving was completely impartial and unbiased.
I found Edinburgh IFA when searching Google and from start to finish the experience has exceeded my expectations.
The adviser they matched me with had 8 years of experience in the industry and a vast knowledge when it came to pensions and investments, he also got me so many additional benefits that I would never have known about without his advice. I couldn't be happier with the service provided."
