Insurance against an undesirable event such as sickness or even death may not be a pleasant thing to think about, but the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.
At Clear Financial Advice, we take a logical approach to protection. Unearthing the gaps in your existing protection, before recommending a realistic way to plug them.
The type of protection product we’ll help you consider includes:
More for your loved ones
By holding life cover in trust, you protect your beneficiaries from inheritance tax and help avoid probate. Helping your beneficiaries to be compensated sooner.
Setting up a trust is quick and easy, but deciding on the right trust can be more complicated.
Would your business suffer without its star player?
Key Person Protection (also known as key man insurance or key person insurance) insures your business against the financial loss it would suffer should a key person die or receive diagnosis of a specified critical illness.
The Financial Conduct Authority does not regulate taxation advice.
Although we have only known Paul for around 18 months during this time we have always found him to be not only a very likeable person but one that is very easy to talk to, patient and willing to explain information at a level we can understand. That’s very important to us! Once that he understood both our attitudes to risk and the reason why we had consulted him in the first place he was soon able to reassure us and come up with a suitable plan. We would have no hesitation in recommending him to someone in the same situation.
Howard explains what he is going to do in a calm, confident and readily understandable way. He is excellent at explaining exactly what he is proposing to do and how much it is going to cost. Whatever I wish to discuss with Howard, he has the ability to give all the reassurance I need.
Paul is very easy to talk to,most helpful and always ready to explain fully and queries. I have always been more than pleaseed with his service to me.
My wife and I found Howard to be very clear and structured in all of our dealings with him. Investments: Various options were put to us that were felt to meet the requirements we had outlined. All of these were discussed at length before a “best fit” was agreed upon.Pensions: Both of our pension portfolios were analised to appraise where they were and whether or not any action should be taken to ensure that these would meet our expectations. Howard gave our finances the “health check” that was required and we are very happy with the results.
We have known Paul for approximately 6 or 7 years and have found him to be very professional and give sound advice. We have always found him to be very approachable and easy to contact with any problems or queries. Would thoroughly recommend him.
I found Paul not to be pushy and explained the various options we could have with full illustrations. He always had plenty of time for our questions.Would 100% recommend him.