A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in. If you're over the age of 55, equity release offers you a way to use the value of your home to raise money. Equity release has to. Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Welcome to The Excell Partnership LLP, Independent Financial Advice Firm in Chislehurst, Kent. The Excell Partnership was formed in 2009 to provide professional and personable independent financial advice to our individual & corporate clients.
The partners boast over 83 years industry experience combined with prior careers in financial markets and banking. Our client base has been built upon referrals culminating in a very diverse client bank. As a result we are equally proficient advising clients on simple re-mortgage solutions to equity release schemes and highly complex pensions.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Welcome to The Excell Partnership LLP, Independent Financial Advice Firm in Chislehurst, Kent. The Excell Partnership was formed in 2009 to provide professional and personable independent financial advice to our individual & corporate clients.
The partners boast over 83 years industry experience combined with prior careers in financial markets and banking. Our client base has been built upon referrals culminating in a very diverse client bank. As a result we are equally proficient advising clients on simple re-mortgage solutions to equity release schemes and highly complex pensions.
Services
We all have goals, dreams and ambitions for the future, for ourselves and our families, but how do we achieve them?.
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, in the short, medium and long term.
You will almost certainly have goals of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but these have financial implications and leaving it to chance isn't an option.
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, in the short, medium and long term.
You will almost certainly have goals of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but these have financial implications and leaving it to chance isn't an option.
There are events we can all face that have the potential to wreck lives and families.
It's a difficult issue to think about, but imagine the impact on you and your family should the main earner in your household die or become seriously ill.
It may not happen to you - we hope it doesn't - but it might.
While there is no insurance that can prevent these things from happening, you can protect yourself and your family financially by making money available, should something unexpected happen.
This money can be the difference between keeping and losing your home, and maintaining your family's lifestyle.
It's a difficult issue to think about, but imagine the impact on you and your family should the main earner in your household die or become seriously ill.
It may not happen to you - we hope it doesn't - but it might.
While there is no insurance that can prevent these things from happening, you can protect yourself and your family financially by making money available, should something unexpected happen.
This money can be the difference between keeping and losing your home, and maintaining your family's lifestyle.
This is cover that pays out on death.
Some plans pay upon earlier confirmation of a terminal illness where the prognosis is death within 12 months.
It can pay out as a lump sum, or as income for the remainder of the policy term.
Cover can last for a set term called Term Assurance, or can last throughout life, called Whole of Life.
The amount of cover can remain the same or increase / decrease annually.
Level term assurance stays the same throughout.
Decreasing cover is sometimes used to cover a reducing debt, such as a repayment mortgage and usually assumes a given interest rate.
Some plans pay upon earlier confirmation of a terminal illness where the prognosis is death within 12 months.
It can pay out as a lump sum, or as income for the remainder of the policy term.
Cover can last for a set term called Term Assurance, or can last throughout life, called Whole of Life.
The amount of cover can remain the same or increase / decrease annually.
Level term assurance stays the same throughout.
Decreasing cover is sometimes used to cover a reducing debt, such as a repayment mortgage and usually assumes a given interest rate.
This provides income where you are ill or injured, and as a result your income through employment or your normal route stops.
If Houseperson's cover is included, then it will pay out upon illness or injury, irrespective of any income stopping.
Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age).
The amount you pay is called the premium.
It can either be guaranteed not to change, or it can be reviewable.
Reviewable cover normally changes based on the claims experience of the life assurance company.
If Houseperson's cover is included, then it will pay out upon illness or injury, irrespective of any income stopping.
Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age).
The amount you pay is called the premium.
It can either be guaranteed not to change, or it can be reviewable.
Reviewable cover normally changes based on the claims experience of the life assurance company.
This is insurance that pays the hospital or Doctor for your treatment.
It can include treatment in a private ward, or being seen earlier in an NHS ward.
Some plans also allow you to claim if you are not able to be seen by the NHS within a set period.
Other plans may charge a little more and don't have any link to NHS waiting times.
You are either medically checked and underwritten at outset (so you know what you're covered for and what you won't be), or have no medical checking at outset (but conditions that occurred two years before taking out the cover are not covered, and often there is no cover for a reoccurrence within five years after taking out the plan).
It can include treatment in a private ward, or being seen earlier in an NHS ward.
Some plans also allow you to claim if you are not able to be seen by the NHS within a set period.
Other plans may charge a little more and don't have any link to NHS waiting times.
You are either medically checked and underwritten at outset (so you know what you're covered for and what you won't be), or have no medical checking at outset (but conditions that occurred two years before taking out the cover are not covered, and often there is no cover for a reoccurrence within five years after taking out the plan).
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