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Taking disability to a whole new level

22 January 2018 | Dread Disease and/or Disability / Critical Ilness

Disability cover is one of the most important covers sold by advisers. This cover has increased in popularity as the growing middle class are becoming more interested in protecting themselves and their families.

Insurance for people living with HIV – No more elephants in the room

16 January 2018 | Dread Disease and/or Disability / Critical Ilness

We’ve come a long, long way from the time when an HIV+ diagnosis was seen as a death sentence. And the realisation that those who are serious about managing their treatment can live as healthily, happy and productively as anyone else has changed the life insurance landscape too.

Trusts may no longer be the holy grail of estate planning

16 January 2018 | Estates & Wills

Trusts are often seen as the be all and end all of estate planning. However, the way in which our living situations, financial planning, tax and legal provisions have changed over the past few decades, means that trusts are no longer a good financial decision for many people.