Assure

Our belief is that all financial planning should be built upon a solid foundation of protection.

Failure to have adequate protection in place can undermine the very best financial plans. Death, serious illness, accident, sickness and unemployment can mean that debts, such as mortgages remain unpaid and savings eroded.

Our recommendation will be designed so that should the unexpected happen, it will have the minimum effect on you or your family’s lifestyle.

In an ever more complex market place our experienced advisors are trained to assess your individual circumstances, identify the risk to your finances and recommend and arrange the most appropriate protection.

Protection is not simply limited to Individuals, couples or families. Life events such as those listed above can have similar effects on those running and owning businesses.

Protection

Ensuring that individuals and families are aware of the effect that Death, Serious Illness, Accident Sickness and Unemployment can have on their finances and standard of living of the survivors. Helping put plans in place to wherever possible reduce the risk, help protect the assets of the clients on death and mitigate the effect of inheritance tax.

Life Assurance

Critical Illness

Income Replacement

Unemployment Cover

Life Assurance

Life Assurance is the foundation of any financial planning. The loss of a partner or family member is distressing enough without the worry of being able to cope financially. We will seek to understand the effect the loss of their income could have on your financial security and ability to maintain lifestyle. Utilising either Term Assurance or Whole of Life plans we will recommend the most appropriate and help you in the application process. Where appropriate we will utilise trusts to ensure that the proceeds of such plans are paid to the chosen people at the right time.

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Critical Illness

Serious illness can wreak havoc on both an individual and their dependants financial security. Illnesses such as heart attack, stroke and cancer can cause an individual to never return to work, work in a reduced role or perhaps return to work after a period of convalescence. The complete or partial loss of income can come at a time of maximum stress. Utilising the many innovative products available to us we will recommend the most suitable to mitigate the risk.

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Income Replacement

The vast majority of us are reliant on our income to pay the bills and maintain lifestyle. We have bills to pay whether they are essentials such as mortgage, food and utilities or the luxuries such as holidays, eating out and gym memberships. However what would happen should the income stop? How long could bills be paid and lifestyle be maintained on savings or benefits? These are the questions we seek answers to in order to establish if an income replacement policy would help you mitigate the risk. We have a vast array of policies available to us, ensuring that the most suitable is always recommended.

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Unemployment Cover

It is increasingly unlikely that we will stay with the same employer for all of our working lives. While a career change will often be in our own hands the loss of employment because of redundancy is not and can cause severe financial difficulties. We will assess your attitude to such a risk and look to mitigate where appropriate.

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Business Protection

Ensuring that businesses can be protected wherever possible from the financial effects of the death or serious illness of the key people within the business.

Director Protection

Key Man

Business Loan

Relevant Life

Director Protection

Having worked hard within a business what effect would the loss of a co-director have on that business? Equally important what would happen to that directors share of the business? Passing the shares to a spouse or other family member without the necessary interest or skills can cause problems. We will advise of the risks and utilise Directors share protection policies to ensure the risk are mitigated.

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Key Man

The death or serious illness of a Key Person can have a devastating effect on the health on the underlying business. Their loss may have an immediate effect on the profitability of the business or simply mean that others have to cover for them causing reduced efficiency. We can help identify the Key Persons and provide advice on products that can help during periods of absence or maintain income whilst a replacement is sought.

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Business Loan

Often a Business Loan is granted on the status of the company at application. The death or serious illness of a key member of staff whether a designated Key Person or a Director can have a serious effect on the companys ability to repay the debt. Business Loan Protection can ensure that the companys liability can be met without putting further strain on company finances at a very difficult time.

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Relevant Life

A Relevant Life Plan is a term assurance plan available to employers to provide an individual death in service benefit for an employee. It is designed to pay a lump sum if the employee dies whilst employed during the length of the policy. It will also pay out if the employee, whilst employed, is diagnosed with a terminal illness and meets the insurers definitions. A Relevant Life Plan is paid for by the employer.

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General Insurance

To protect the tangible assets of the individual.

Buildings Insurance

Contents

Landlords

Personal Possessions

Buildings Insurance

This type of insurance provides cover for the structure of the property – the walls, doors, roof, plumbing, wiring, insulation and permanent fixtures and fittings (fitted bathrooms or kitchens). The definition of buildings also extends to include outbuildings, garages, greenhouses, sheds, patios, walls, drives, fences, gates (fences and gates are at times restricted).

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Contents

Gives you the peace of mind of having cover for all the contents within your property and outbuildings which belong to you or a member of your family whom are living at the property. The policy would also provide cover for items that you do not own such as a rented TV for example.

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Landlords

As a landlord, you need to protect your financial well-being against the risk of damage to your property. It’s vital that you have buildings and contents insurance cover so that, in the event of a storm, flood or other incident or accident, you won’t be left out of pocket. Specialist landlord insurance provides cover for buildings and contents, landlord liabilities, malicious damage and loss of rent.

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Personal Possessions

An extension of Contents cover, would be to add additional cover for your personal possessions whilst they are taken away from the property usually worldwide. Most insurers provide a lump sum away from the property as unspecified cover; this would generally provide cover for individual items up to an amount of £1500.00 per item. Anything that exceeds this amount would then need to be specified, and dependant on the value of the item, a valuation or proof of purchase requested. This would also usually extend to personal money, credit card and money cover.

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A collaborative approach

Our belief is that all financial planning should be built upon a solid foundation of protection.

Failure to have adequate protection in place can undermine the very best financial plans. Death, serious illness, accident, sickness and unemployment can mean that debts, such as mortgages remain unpaid and savings eroded.

Our recommendation will be designed so that should the unexpected happen, it will have the minimum effect on you or your family’s lifestyle.

In an ever more complex market place our experienced advisors are trained to assess your individual circumstances, identify the risk to your finances and recommend and arrange the most appropriate protection.

Protection is not simply limited to Individuals, couples or families. Life events such as those listed above can have similar effects on those running and owning businesses.

Management Team

Bio

Paul Merrigan

Group CEO

Bio

Jim Austin

Sales Director

Bio

Liann Hill

Sales Manager & Specialist Protection Adviser

Directors

Paul founded Lifetime in 1998 with the objective of becoming the most trusted provider of financial advice. Ensuring that clients receive the best possible advice was the inspiration behind the formation of his award winning software company 360 Dotnet. Paul continues to innovate and believes that you have to earn the right to become a clients’ trusted adviser of choice.

Directors

Jim Austin has been involved with Lifetime since the companys’ foundation in 1998. With previous experience with Lloyds Bank and Legal and General he now has over 30 year experience in financial services.

He has absolute belief that joined up financial planning will deliver Lifetimes vision of ‘being the most trusted provider of financial advice’.

Management Team

Liann has over 15 years’ experience in Financial Services, having joined Lifetime in 2000. She holds a dual role within the business as both a protection specialist and sales manager. Liann shares her passion, knowledge and expertise equally with clients and advisers, both new and existing. A key supporter of the culture of collaboration, she epitomises the Lifetime philosophy.

Advisers & Customer Support

Sally Ashton-Jones

Whole of Market Protection Adviser

Tim Jowett

Whole of Market Protection Adviser

Lee Ballard

Sales Manager & Protection Consultant

Tom Nicholls

Whole of Market Protection Adviser

Dale Whithear

Trainee Mortgage Adviser & Customer Support

Arash Daemi

Whole of Market Protection Adviser

Daljit Kaur

General Insurance Adviser

Anne Frewin

Whole of Market Protection Adviser

Salli Stubbings

Office Manager

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