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Whitebridge Financial Services
The Financial Conduct Authority does not regulate Trusts.
Inheritance Tax Planning, Tax Planning, Trusts, Will Writing, Business Continuity Planning & Powers of Attorney are not regulated by the Financial Conduct Authority.
Tax treatment varies according to individual circumstances and is subject to change.
Will Writing & Powers of Attorney are not part of the Quilter Financial Planning offering and are offered in our own right. Quilter Financial Planning accepts no responsibility for these aspects of our business. Powers of Attorney are by referral only.
It’s not a nice thing to think about but you might not always be healthy.
And if you’re not, the first thing you and your family will miss is your income.
If you are wondering how you and your family might cope without an income, stop wondering and let us work it out for you.
“Can you afford to pay for insurance when you have an income?”
OR
“Can you afford to pay all bills and keep the house as well as maintain your lifestyle when you have no income?”
Click on each button to read more
We are part of the Quilter Financial Planning Network and their in-house Protection Oversight Committee will look at all the options available in the market today.
The Protection Oversight Committee hand pick the best providers based on quality of cover, pricing, service, proposition features as well as claims history and claims pay-out processes.
They will partner with product providers that offer different (basic and comprehensive) cover options to fit the requirements of different types of clients.
The pricing is carefully designed for advisers of the Quilter network due to the volume of cases that are submitted to different providers.
Selecting a provider cannot be based only on pricing alone hence Quilter’s in-house Protection Committee use various comparison and informative tools like Defaqto research, Critical Illness Expert, IRESS, Life Quote, and the Association of British Insurers guidelines as well as having access to the popular comparison options which are available for the general public like Moneysupermarket.com, confused.com, GoCompare.com etc.
Unlike choosing products from comparison sites, we will provide you sound financial advice. This means you and your family will receive the correct protection requirements for your own individual requirements that you were expecting in the event of a claim. A claim that will get paid at the right time to the right person.
We offer you advice, advice that we will stand by. At a money comparison site or other similar online option, you are doing no more that purchasing a product. Therefore, in the event of a problem or complaint, you do not have the same redress to compensation that you would when dealing with us.
Unlike choosing products from comparison sites, we source the most suitable deals for you as well as provide sound financial advice.
This means that both you and your family will receive the correct protection advice for your own individual protection requirements.
We offer you advice, advice that we will stand by.
At a money comparison site or other similar online option, you are doing no more than purchasing a product.
Therefore, in the event of a problem or complaint, you do not have the same redress to compensation that you would when you receive advice through Whitebridge Financial Services from the Financial Ombudsman Service.
We are able to offer access to the Quilter Health Support Line provided by RedArc at no charge to yourself.
The Health Support Line have a team of nurses that can help you, the policyholder(s), emotionally and practically if you make a claim at any point during the term of the policy.
After a critical illness or income protection claim RedArc will appoint a Personal Nurse Adviser who will contact you and will provide tailored help according to your circumstances by telephone.
The same Personal Nurse Adviser is available by telephone on an unlimited, ongoing basis and there are many ways they can help, for example:
In addition, counselling is available to your family if the policyholder dies
We will help you save time, money, and stress by helping you find the correct and
most suitable insurances to protect your family, home, and income — the things that matter most to you.
Once an insurance provider is selected, we will advise you on placing the policy in the correct name, ownership, and Trust.
A Trust means that the policy proceeds are paid to the correct person at the correct time thereby helping both you and your beneficiaries in the event of a claim from any unnecessary delays in the policy pay-out and also potentially mitigating against having to pay Inheritance Tax liability.
— This is facilitated with the correct use of Trusts, Wills and/or Powers of Attorney.
Inheritance Tax Planning, Trusts, Will Writing, & Powers of Attorney are not regulated by the Financial Conduct Authority.
Will Writing & Powers of Attorney are not part of the Quilter Financial Planning offering and are offered in our own right. Quilter Financial Planning accept no responsibility for these aspects of our business.
By placing your policy in a trust, this means that the right asset goes to the right person at the right time:
We strongly urge all our clients to consider this option. Your financial adviser can help you put your life cover in trust at no extra cost to you.
Policyholder
Trustees
Beneficiaries
Pays out a cash lump sum to your family if you die. You can either take out term life insurance which covers you for a fixed amount of time (like the length of your mortgage) or whole of life insurance that gives you lifelong cover with a guaranteed pay-out on death.
Pays out a cash lump sum if you're diagnosed with a critical illness that’s covered by the provider for e.g. Heart Attack, Stroke, Cancer — insurers cover from 3 up to over 150 conditions.
Pays you a monthly income over a set term if you get sick, injured, or cannot work. This is the most likely required plan as sickness or injury is more likely to occur to anyone in comparison to death.
This is insurance against the costs of unexpected private medical treatment for you and your family rather than relying on longer NHS waiting times.
It can help to provide a regular income for your dependants over a selected number of years, which you decide on, rather than a lumpsum that your dependants get if you had a Life insurance plan.
Business protection is all about insuring for the unexpected. Put simply, it’s a way of protecting a business should something go wrong. Business protection can help make sure a business continues to trade and allows the owners to maintain control while making sure dependants receive a fair value for their share of the business.
Business continuity planning is the plan put in place by a business to make sure it could continue to trade if the unexpected happened.
Many businesses look to protect themselves against every eventuality, buying insurance for their buildings, fixtures and fittings, stock, cars and materials. But the majority don’t insure their single biggest asset – their key employees. So what would happen if the business lost a key employee?
A key employee is someone whose death or disability would have a serious effect on the company’s ability to continue trading.
With a business protection arrangement in place, if people become ill or die, your clients will be able to:
Main types of cover:
Relevant Life Insurance is an important financial planning solution for:
*NB. Premiums funded through optional remuneration arrangements would be taxed as a benefit in kind.