- Home
- Our Company
- Services
- Business Financial Planning
- Equity Release
- Estate Planning
- Financial Planning
- Health Insurance
- Life Assurance
- Mortgages
- Pensions
- Savings & Investments
- Taxation
- Wealth Management
All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.
Read More
Adequate business insurance is therefore not a luxury - it is an absolute necessity.
These days, many people are not afraid to seek compensation. No win - no fee advertisements encourage claims, and businesses need to protect themselves against liability claims that could run into millions of pounds. In addition, you couldIf you're over the age of 55, equity release offers you a way to use the value of your home to raise money.
Read More
There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans.
Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available ...Life is unpredictable, it can be exciting, it can be daunting, but whatever happens, we will work with you to try to help make sure your family's future needs are secured. With careful planning we aim to safeguard your family finances.
Read More
We will discuss with you all those areas where we might help you safeguard your dependents and protect them in the event ofany unexpected events like bereavement and sickness. We can advise you on your protection needs, from life assurance to healthcare cover, to reducing your inheritance tax liability, making a tax-efficient will, and providing a tax-free cash lump sum for your dependents in the event of your death.We all have goals, dreams, ambitions for the future, for ourselves and our families, but how do we achieve them?
Read More
Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term.
You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but such ambitions have financial implications and you can't leave it all to chance.Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.
Read More
Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.
However, there are a number of other types of Health-related Insurance policiesThe main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.
Read More
It can provide the reassurance of financial protection for you, your family and your business associates.
A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies.Mortgages are loans which are intended to help buyers purchase residential and commercial property. When an individual takes out a loan, the lender charges interest: the same is true of a mortgage.
Read More
A mortgage is a ‘secured’ loan, which means that the loan is secured against the value of the property being purchased until the mortgage is paid off.
Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions.
Basic conditionsWhen you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.
Read More
A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement.
A pension plan requires action as soon as possible, so start now - and if you have already startedWhen someone talks about savings and saving money, it could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
Read More
Investing is what you do with the savings you have created - if you are looking to generate a return on your money that is greater than what is already available to you through your savings instruments.Taxing Questions
Read More
Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.
Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.
An expert will be able to help you plan your taxes in advance, and come upWealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Read More
Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.
There are plenty of ways of preserving wealth in real terms, protecting against most of the uncertainties - Online Services
- Preparing For Retirement
- Privacy Policy
- Contact Us
Introduction to Health Insurance
What Is Health Insurance?
Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.
Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.
However, there are a number of other types of Health-related Insurance policies which are worthy of serious consideration:
These include:
- Critical Illness
- Income Protection
Some of these policy types cover the scenario where you are unfortunately unable to work because of illness or injury. Knowing that the regular household payments will be made and your financial commitments met during a difficult period in your life can offer peace of mind for the future.
The range of coverage varies depending on the type of plan, and as with any type of insurance, there are exclusions and limitations. To understand these, you would need to read your policy to find out what is covered and what is not.
Premiums are normally paid to the insurance company either monthly or annually.
THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.
Related Topics
Other Areas of Expertise


-
Eversley TSPEveryone needs peace of mind, the certainty that all of your worldly possessions..Read More...
-
Later Life MattersLater Life Matters was created to provide specialist support, advice and informa..Read More...
About Us
Eversley has been trading since 1995 and are Independent Financial Planners delivering a professional and specialised service to individuals and businesses throughout South East England. ...
Read moreContact Us
Eversley Estate Planners Ltd
19-21 Bull Plain
Hertford
Hertfordshire
SG14 1DX
T: 01992 500800
Email : Email Us
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Eversley Estate Planners Ltd is authorised and regulated by The Financial Conduct Authority. Eversley Estate Planners Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 460399.
Registered in England under reference 05254380
Registered office address: Same as company address