Insuring your home from the elements, malicious or accidental damage is usually a condition of the mortgage lender that provides finance on your property.
Even if this were not the case it makes good sense to ensure you have a call on sufficient funds to make repairs should disaster strike. Such cover is available from a Buildings Insurance policy.
We don’t have to be doing something dangerous for accidents to happen. That’s why good insurance makes common sense, especially when there are others relying on us to protect their dependence.
Critical Illness Cover
Life Cover Insurance
Life insurance is all about piece of mind - ensuring that should the worst happen the last thing your loved ones have to worry about is money. We make the whole process of applying for term insurance as simple as possible by taking the administration away from you. After completing a simple application form for your life insurance we will deal with the insurers and keep you updated with progress and next steps.
Umemployment and Redundancy Cover
Income protection policies are an inexpensive way of providing a source of regular income for as long as you are unable to work because of illness or injury. They offer peace of mind, both for you and those depending on you.
It’s second nature to insure your car, your property, your valuables and holidays – even pets get their own personal cover. But when it comes to looking after the income you need to pay for the essentials and luxuries of life, we find a curious lack of protection.
Income Protection policies are designed to protect a proportion of your income if you are unable to work because of illness or disability. For a monthly premium, it’s possible to ensure that if the worst happens your income will not cease as a result. Speak to Marmalade today about Income Protection and the various plans available to suit your particular circumstances.
Private Medical Insurance
Inheritance Tax Planning (IHT)
Inland Revenue practice and the law relating to taxation are complex and subject to individual circumstances and changes that cannot be foreseen.
Make your pension work as hard as you've done!
Having salted away money during your working life, it's time to enjoy the fruits of your labours. But first, you have to decide what to do with your pension benefits. Do you take a tax-free lump sum? How much risk do you want to take? What sort of annuity suits you best? There are lots of providers and lots of different products to choose from - not all will be right for you and your circumstances.
Thankfully, Marmalade can do the legwork for you, shopping around is always a good idea whether it's for a car, a holiday or an annuity. It helps to get the best value for money and product for you.
Cash or income?
Your pension plan will almost certainly allow you to take part of your pension fund as a tax-free lump sum. The maximum cash you could receive will depend on Inland Revenue rules. You will need to bear in mind that taking part of your fund will reduce the amount you have available to provide an income.
Now or Later?
You may decide that you don't need any additional cash or income at the point of retirement. In this case you can delay taking your benefits. Most pension plans allow you to delay taking your benefits.