How we can help

Life insurance
and protection

Like any of us, it’s all too easy to overlook the benefits of protection insurance for you and your family – no-one wants to dwell on the unwelcome or unexpected events that life sometimes has in store. But the right types of policy can be a great help financially if the worst happens. They’re also a really useful tool in estate and inheritance tax planning.

We help you put the right policies in place for you and your family across a range of risk scenarios. We’ll also advise you on how protection policies can help you put tax-efficient plans in place as part of your estate and business planning.

An introduction to protection

Protection for you and your loved ones

Our practical advice on life insurance and income protection policies will help you choose the right policy for you. They provide a lump sum or a regular income if disaster were to strike, meaning your family would be able to pay off the mortgage and other debts, and continue to have the lifestyle they enjoy.

We also often recommend a critical illness policy that gives you a regular tax-free replacement income if you’re diagnosed with a life-threatening illness that means you’re too ill to work. It brings you the peace of mind that your family won’t face financial worries or need to dip into capital at a difficult time.

 

Policies in trust for IHT planning

We regularly recommend writing life insurance policies under trust as a simple and effective way to legally avoid Inheritance Tax (IHT) on any policy pay out. Policies in trust won’t be considered as part of your estate when it comes to calculating IHT. You’ll see another benefit too. Life policy proceeds can be paid out before probate is granted, which makes them an effective way to get money into the hands of your beneficiaries quickly.

Bringing you more value-add

Offering you holistic, independent and proactive advice is fundamentally important to us, and your protection policies are no exception.

We know that your protection needs are likely to change over time, so when you get married, divorced, have a family, take on a bigger mortgage or more debt, get a new job, or are approaching retirement, we’ll be on hand to make sure you have the type and level of cover you need. Even better, our independence means we research the whole market to ensure we secure the best rates and most comprehensive cover on every occasion.

Our holistic approach also means that our service includes home insurance and health care plans, as well as business protection. If business protection is relevant for you, we offer the full range of policies you’re likely to need, including shareholder and key man insurance, group life insurance and pensions.

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Guiding you to financial freedom

Our aim is to help you accumulate and plan your wealth to achieve financial freedom in life.
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As truly independent advisers, we don’t have in-house products we have to sell. And we don’t limit our advisers to specific financial solutions. Instead, we give them the freedom, knowledge and resources to recommend what’s best for each client so they can ensure the best possible outcomes.

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We have been very happy with the service we have received from PWM. We have always had clear and proactive advice in a timely manner. The staff are very friendly and helpful and respond to any points raised by us and are always available to talk through any issues which we may have”

Retired Partner, Magic Circle Law Firm

We have collaborated with Duncan and PWM for many years. Client feedback has always been exemplary, and we are always impressed by Duncan’s creative and collaborative approach. Duncan and PWM would always be our first choice of financial planner due to his extensive knowledge and PWM’s true independence.”

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We have built up such a strong relationship with you, based on mutual trust, professionalism, dedication and the strongest of product and market knowledge and you had never let us down. Your integrity, honesty, caring and positive approach served us well in the past and continues to do so today.”

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Brett has advised me very soundly for 10 years. He’s comprehensively across the big stuff that can blow holes in financial wealth if not spotted. He also provides excellent continuing client focus and service. Delighted to be a client of his.”

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PWM have always shown great integrity in all my dealings with them.”

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We wanted sustainable fossil-fuel free investments but it is difficult at present to pick something off the shelf. We were therefore pleased that with advice from Nathan at PWM, we have been able to implement a portfolio that maintains diversity and meets our objectives."”

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