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 Life & Critical Illness cover
Protecting yourself and your family if you suffer a serious
illness or die is important. Life or Critical Illness Cover could
make it easier for you and your family to cope with any financial
pressures if either of these were to happen.
Although no-one likes to think about it, we all know how
important it is to ensure our loved ones are provided for after
we're gone. Life insurance can help you to protect your family
from financial hardship at a time when they would need it most.
If you don't already have life insurance, Black Pearl can
help you get the life cover you need at the right price. And even
if you do have cover, are you sure you have the right level of
cover in place and that you're not paying too much for it?
1 in 3 people in the UK are diagnosed with cancer at some
point during their lives (Office for National Statistics).
In the UK someone has a heart attack every 2 minutes,
that's 275,000 per year (British heart foundation).
Contact us for a free quote. |
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Trusts
Benefits of trusts:
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You can use a trust to give some or
all of the benefits on your plan to other
people. This means that the benefits you
give away would not be part of your estate
if you die, and would not be subject to
inheritance tax. |
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Inheritance tax is currently payable at
40% on any part of an estate valued over
£325,000 (2011/2012). If you don't put
your plan in trust, any money it pays out
is added to your estate. |
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If you put your plan in trust it allows
any claim you make to be paid more quickly
than it would if the plan was not put in
trust. If you die without putting your
plan in trust, your representatives may
have to obtain a Grant of Representation
before they can deal with your plan.This
process can take several months. Putting
your plan in trust can avoid this delay. |
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In general, Trusts are not regulated by the Financial Services
Authority.
Contact us for a free quote. |
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Income protection
The working world has changed dramatically in recent years. A
lot of us are working harder and longer hours and there are fewer
jobs for life. One thing, however, remains constant and that's the
fact that most of us need to work to pay the bills and to enjoy
all the nice things in life like holidays, cars and Christmas
presents. Bills don't stop arriving - even if we are very sick.
Without a regular income, most of us would struggle to get
by. Even those of us who have savings or investments would
struggle, as they won't last long when surviving on government
benefits.
That's where Income Cover for Sickness comes in. Income
Cover for Sickness pays out an income if you're unable to work
because of illness or injury.
You will need to take advice on what cover you can obtain.
Contact us for a free quote. |
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Accident, sickness & Unemployment cover
How would you manage if you couldn't pay the mortgage? If you
lost your job, fell seriously ill or had an accident?
Very few of us have the financial means to cover living
costs with no income. Ask yourself these questions:
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How long would your savings last if you
were out of work for any length of time? |
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If you were made redundant how much would
your employer pay you? |
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If you're Self-employed how long could you
pay the bills and the mortgage if you are too
ill to work? |
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Contact us for a free quote. |
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 Buildings & Contents cover
 Buildings insurance covers the structure of the home together
with its fixtures and fittings: it covers the cost of repair or
rebuilding after fire or weather damage for instance. Contents
insurance covers the contents of your home, the possessions you
would take with you if you moved house.
Contact us for a free quote. |
