Personal Insurances

When illness or injury affects everyday life it can lead to devastating financial consequences for individuals and their families.

Providing financial support for your family when they need it most or protecting income when you are unable to work can provide peace of mind to all.

At Lucas Fettes and partners we believe that protecting against an unexpected event is essential and our specialist consultants can provide the advice and support needed to implement and manage a complete protection plan.

Insurances covered include:

Life Assurance - Knowing that dependant will be provided for in the event of death is a valuable benefit, whether to:-

• Clear a mortgage debt.
• Provide a capital sum for your family, to ensure their furture standard of living is not adversely affected.
• Ensure that educational funds are left behind to provide for your children's future education.
• Mitigate an Inheritance Tax liability
• Protect a monetary gift from a potential tax charge

Permanent Health Insurance - When you are unable to work through illness or injury, knowing that your income is protected until such time as you are able to return to work enables all focus to be placed on recovery. Should health matters not improve, peace of mind can be attained in the knowledge that contracts have the potential to continue to pay you an income untill your normal retirement date.

Critical Illness - With continuing medical advances it is more likely to suffer a serious illness and survive, than die. With that eventuality comes the potential requirement to make necessary alterations to the home to assist with daily living, pay off existing debts, clear mortgages and replace income. The provision of financial support therefore to you when it is needed most, during life, as opposed to dependents and beneficiaries on death.

Private Medical Insurance - Providing funds for immediate medical attention to ensure that both investigations and treatment are dealt with without delay at the hospital of your choice.

Cash Plans - Providing a cash payout of varying levels following a set menu of events, such as spending nights in hospital receiving treatment. This typ of plan can be viewed as a 'reimbursement' of costs.

Keyman - Protecting your business interests is vital, it is your families livelihood.

Lucas Fettes & Partners can help you cover the future security of your business following the death of 'key' employees, those that are crucial to the success of your business.

Partnership and Shareholder Insurance - One of the great risks of a Business Partnership is that one of your coleagues may die, with his or her share of the business passing to someone else. In addition a Partner in failing health may want to consider the option of exiting from the business.

Lucas Fettes & Partners can assist with the drafting of Partnership agreements, arranging appropriate life cover to purchase the deceased's interest in the business and arrangements for Partners who retire or are unable to work through illness.

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