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Various levels of cover can be provided but at its most basic it could ensure that your mortgage can be paid off and the family home retained.


A GROWING FAMILY Adviser


business you might want to find out about relevant life cover, a tax efficient way to provide cover to key employees and yourself?


There are several types of life insurance; Level term assurance pays out a fixed sum if you die during the policy term, Decreasing term assurance is designed to pay out a decreasing sum to reflect the declining balance of a loan or mortgage.


SIMON PHILLIPS Independent Financial Adviser


Life insurance can be a good starting point but you should also consider other protection.


Income protection


Income protection, known as permanent health insurance (PHI) pays out a monthly income if you are unable to work due to illness or disablement. Pay-outs are a tax free proportion of your salary and can continue until retirement, death or your return to work.


Life insurance Critical illness insurance


Critical illness insurance pays out a lump sum if you are diagnosed with a specified serious condition, including


heart attacks, strokes, Private medical insurance


However, for a young family, the most important life assurance may be Family income benefit. This pays out a regular tax-free income from death until the end of the policy term. Policies can be arranged to run until retirement or until your youngest reaches 18 or 21 years of age.


If you are in good health and enjoy a steady income you may feel confident that you are able to provide for your family. But the sad fact is none of us know what is around the corner. At Continuum we like to help you look at ways to protect your family, whatever the future holds.


There are a range of insurances which can give you that peace of mind.


Various levels of cover can be provided but at its most basic it could ensure that your mortgage can be paid off and the family home retained.


certain cancers and others – the actual list of conditions may vary with the provider.


Private medical insurance pays for private medical treatment which can often be provided faster than the NHS. If you are self-employed or a business owner it can be crucial to getting you back to work.


What do you need?


Everyone has different needs and at Continuum we can work with you to see what your needs are and find you the most cost effective ways to meet them.


There is also whole-of-life insurance which pays out a lump sum whenever you die. It can be appropriate for inheritance tax (IHT) planning and when written in trust the proceeds can be IHT-free and may potentially be used to mitigate an IHT liability.


There are several types of life insurance; Level term assurance pays out a fixed sum if you die during the policy term, Decreasing term assurance is designed to pay out a decreasing sum to reflect the declining balance of a loan or mortgage.


However, for a young family, the most important life assurance may be Family income benefit. This pays out a regular tax-free income from death until the end of the policy term. Policies can be arranged to run until retirement or until your youngest reaches 18 or 21 years of age.


You may already have cover, but when was it last reviewed and how relevant is it? If you run a


There is also whole-of-life insurance which pays out a lump sum whenever you die. It can be appropriate for inheritance tax (IHT) planning and when written in trust the proceeds can be IHT-free and may potentially be used to mitigate an IHT liability.


our mortgage. The information contained in this article is based on the mmendation to suitable investment strategy, you should seek


INVESTMENTS


N CONTACT ncial Adviser: ntinuum.co.uk h, PL7 5JY


MORTGAGES MORTGAGES PENSIONS LIFE INSURANCE ESTATE PLANNING


Your home may be repossessed if you do not keep up repayments on your mortg opinion of Continuum and does not constitute financial advice or a recommendat independent financial advice before embarking on any course of action.


You may already have cover, but when was it last reviewed and how relevant is it? If you run a


Everyone has different needs and at Continuum we can work with you to see what your needs are and find you the most cost effective ways to meet them.


You may already have cover, but when was it last reviewed and how relevant is it? If you run a


Your home may be repossessed if you do not keep up repayments on your mortgage. The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable investment strategy, you should seek independent financial advice before embarking on any course of action.


LIFE INSURANCE SAVINGS INVESTMENTS


FOR A FREE INITIAL CONSULTATION CONTACT SIMON PHILLIPS Independent Financial Adviser: T: 07484 095 044 E: simon@mycontinuum.co.uk Falcon House, Eagle Road, Plymouth, PL7 5JY www.mycontinuum.co.uk


7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co.uk www.mycontinuum.co.uk agle Road, Langage, Plymouth, PL7 5JY which is authorised and regulated by the


MORTGAGES PENSIONS SAVINGS LIFE INSURANCE ESTATE PLANNING


Your home may be repossessed if you do not keep up repayments on opinion of Continuum and does not constitute financial advice or a rec independent financial advice before embarking on any course of actio


INVEST SAVINGS


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co.uk www.mycontinuum.co.uk Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is authorised and regulated by the Financial Conduct Authority


FOR A FREE INITIAL CONSULTATION CONT SIMON PHILLIPS Independent Financial Ad T: 07484 095 044 E: simon@mycontinuum Falcon House, Eagle Road, Plymouth, PL7 5


FOR A FREE INITIAL CONSULTATI SIMON PHILLIPS Independent Fin T: 07484 095 044 E: simon@myco Falcon House, Eagle Road, Plymo www.mycontinuum.co.uk


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, Continuum is a trading name of Continuum (Financial Services) LLP Falcon House Financial Conduct Authority


What do you need? Critical illness insurance heart attacks, Private medical insurance Income protection Life insurance


are un Pay-ou and ca return


PROTECTING A GROWING FAMILY


business you might want to find out about relevant life cover, a tax efficient way to provide cover to key employees and yourself?


PROTECTING


Life insurance can be a good starting point but you should also consider other protection.


Income protection, known as permanent health insurance (PHI) pays out a monthly income if you are unable to work due to illness or disablement. Pay-outs are a tax free proportion of your salary and can continue until retirement, death or your return to work.


Critical illness insurance pays out a lump sum if you are diagnosed with a specified serious condition, including


strokes,


If you are in good health and enjoy a steady income you may feel confident that you are able to provide for your family. But the sad fact is none of us know what is around the corner. At Continuum we like to help you look at ways to protect your family, whatever the future holds.


Critical SIMON PHILLIPS Independent Financia


Critica you a condit certain condit


There are a range of insurances which can give you that peace of mind.


Private


Various levels of cover can be provided but at its most basic it could ensure that your mortgage can be paid off and the family home retained.


certain cancers and others – the actual list of conditions may vary with the provider.


Private medical insurance pays for private medical treatment which can often be provided faster than the NHS. If you are self-employed or a business owner it can be crucial to getting you back to work.


There are several types of life insurance; Level term assurance pays out a fixed sum if you die during the policy term, Decreasing term assurance is designed to pay out a decreasing sum to reflect the declining balance of a loan or mortgage.


Private medic faster busine back t


However, for a young family, the most important life assurance may be Family income benefit. This pays out a regular tax-free income from death until the end of the policy term. Policies can be arranged to run until retirement or until your youngest reaches 18 or 21 years of age.


What d


There is also whole-of-life insurance which pays out a lump sum whenever you die. It can be appropriate for inheritance tax (IHT) planning and when written in trust the proceeds can be IHT-free and may potentially be used to mitigate an IHT liability.


Everyo we can and fin them.


independent financial advice before embarking on any course of action. MORTGAGES


and when written in trust the proceeds can be IHT-free and may potentially be used to mitigate an IHT liability.


LIFE INSURANCE SAVINGS


until the end of the policy term. Policies can be arranged to run until retirement or until your youngest reaches 18 or 21 years of age.


You may already have cover, but when was it last reviewed and how relevant is it? If you run a


Your home may be repossessed if you do not keep up repayments on your mortgage. The information contained in th opinion of Continuum and does not constitute financial advice or a recommendation to suitable investment strategy, y independent financial advice before embarking on any course of action.


MORTGAGES


There is also whole-of-life insurance which pays out a lump sum whenever you die. It can be appropriate for inheritance tax (IHT) planning and when written in trust the proceeds can be IHT-free and may potentially be used to mitigate an IHT liability.


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is autho Financial Conduct Authority


You may already have cover, but when was it last reviewed and how relevant is it? If you run a


LIFE INSURANCE SAVINGS


Your home may be repossessed if you do not keep up repayments on your mortgage. The information contained in th opinion of Continuum and does not constitute financial advice or a recommendation to suitable investment strategy, y independent financial advice before embarking on any course of action.


MORTGAGES LIFE INSURANCE


FOR A FREE INITIAL CONSULTATION CONTACT SIMON PHILLIPS Independent Financial Adviser: T: 07484 095 044 E: simon@mycontinuum.co.uk Falcon House, Eagle Road, Plymouth, PL7 5JY www.mycontinuum.co.uk


SAVINGS INVESTMENTS


FOR A FREE INITIAL CONSULTATION CONTACT SIMON PHILLIPS Independent Financial Adviser: T: 07484 095 044 E: simon@mycontinuum.co.uk Falcon House, Eagle Road, Plymouth, PL7 5JY www.mycontinuum.co.uk


PENSIONS


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is autho Financial Conduct Authority


FOR A FREE INITIAL CONSULTATION CONTACT SIMON PHILLIPS Independent Financial Adviser: T: 07484 095 044 E: simon@mycontinuum.co.uk Falcon House, Eagle Road, Plymouth, PL7 5JY www.mycontinuum.co.uk


What do you need? INVESTMENTS


Everyone has different needs an we can work with you to see wha and find you the most cost effect them.


PENSIONS E


INVESTMENTS


Everyone has different needs an we can work with you to see wha and find you the most cost effect them.


PENSIONS


Private medical insurance p medical treatment which can of faster than the NHS. If you are se business owner it can be crucia back to work.


E


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is autho


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