Did you know?
Here at the David Smyth Practice, we can offer you a number of products and services, including:
The need for protection through life assurance can be of paramount importance. How would your family cope after your untimely death?
Critical Illness and Income Replacement Insurance
You are much more likely to suffer a serious illness than die before you retire. It could be a very worrying time and you and your family should not have to be concerned at the same time about loss of income and problems with money.
The State will provide! It will provide but only in a limited way. Your employer may help, but what if you don’t have a company scheme? Even if you do, will it give you enough to live on?
Are you looking to set up a pension scheme for you and your employees? Maybe Auto-enrolment or an Occupational Scheme. We can advise you on the most efficient route.
We all have things we want to save for... Weddings, world cruise, school or university fees, even a classic car. If you don’t put money away in a regular disciplined way, who else will?
Are you getting a good return on your investments? Unit Trust, Bonds or New Individual Savings Accounts (NISAs) can provide a flexible, tax efficient means of saving lump sums or regular monthly amounts. The value of your investment can go down as well as up and you may not get back the amount invested.
Are you paying too much for your mortgage? Are you looking for a mortgage? There are many offers around today for loans and remortgages. Why not take advantage and it may benefit you. We can introduce you to leading lending sources. We use up-to-date technology to source the most suitable deal for you.
*Your home may be repossessed if you do not keep up repayments on your mortgage.*
A fee of a maximum of £399, or 1% of the loan amount if greater, is payable on application. Typically this will be £399
Buildings and Contents Insurance
We have a range of companies we can use to provide competitive quotes for Buildings and Contents or Contents only insurance, including cover for Landlords on buy to let properties and Portfolios.
Most prudent business people insure their business property – cars, machinery, etc. Not many insure the most expensive asset of any business - its people. Consider the effect on your business if you or one of your key employees were to die or become seriously ill. Would you like to be in business with your partner’s (or Director’s) widow or widower? Share protection is vital if you are to safeguard the ownership of your business.