How will the ones you leave behind cope financially after your death? No one would like to leave their loved ones vulnerable, so planning ahead is essential. Thinking about it is never easy which is why, at AEON, we offer sensitive, appropriate assistance to help you find the best way to ensure financial security. Whether this is providing support to dependents, or paying off debts, choose AEON for peace of mind.

Life Assurance

Life assurance isn’t the answer to everything, but you may have dependents whom you need to support financially, or a mortgage or other debts that need to be cleared. Or you may run a business which would be at risk if a key employee died.

There are so many factors to take into account before choosing the right type of life assurance and without assistance it can be a confusing prospect. Here are some of the questions you and AEON’s experienced advisers will talk about before making a decision:

  • Are there any debts such as store cards, credit cards or loans? How large are the debts and how are they to be repaid? If there is a mortgage, how is this being repaid?
  • In the event of death how will the proceeds be taxed? Which policies benefit from tax relief?
  • Should any cover arranged increase, decrease or remain constant over time?
  • Should there be a joint policy between partners or would separate cover be better?
  • Should any policy be placed into trust to ensure that the money gets to the right hands on your death?

Depending on your individual circumstances, there are various forms of life assurance to consider. Some of these offer protection without any investment element, whereas other forms have both protection and investment aspects.

'You're not making it easy to be your Guardian Angel' - a cartoon relating to life assuranceDepending on your needs, here are some of the life assurance policies we may recommend:

  • Term assurance
  • Decreasing term assurance
  • Family income protection
  • Mortgage protection
  • Relevant life policies
  • Whole of life policies
  • Inter vivos policies

There are so many options when it comes to protecting loved ones and assets. AEON will guide you to the option best suited to your circumstance, your priorities and your financial objectives.

Plans should be monitored and reviewed as you grow older because careers, relationships and financial requirements often change. Using AEON’s expertise, a comprehensive life finance plan will be organised that evolves to suit you and your family’s needs over the years.

If you’d like to find out how AEON can help you select the life assurance you need to protect the financial well being of you and your family, please contact us to arrange a no obligation meeting at our expense.