Protecting against life’s uncertainties
We all want to feel secure in life. Financial protection against the impact of an accident, illness or an untimely death should be your first priority.
David Williams IFA Chartered Financial Planners is committed to ensuring that your family’s independence is protected and that your business is securely underpinned. We understand the complexities involved in obtaining the most appropriate financial protection to meet your requirements.
We help to establish your needs and to prioritise the key risks you wish to insure against. Then we put these plans into action, finding the most suitable products from reputable providers to achieve the best value for money.
This can include life insurance, critical illness cover and income protection insurance – which provides a long term monthly income should you be unable to work. We can also build-in medical and accident covers, as well as specific protection for mortgages or key business loans.
But we don’t stop there. We will also structure the way in which any insurance is arranged to ensure the maximum benefit for every pound spent. Writing an otherwise simple policy under the correct trust, for example, could ensure that inheritance tax does not take a big bite out of the proceeds and means the full value is retained to help your beneficiaries.
With David Williams IFA, this detail is simply part of the service.