Services that can we offer
Independent Financial Protection Advice
We are able to offer totally independent protection advice and our services are not tied to any provider. As a result, this means we can offer life policies from a very wide range of insurance providers. Because of this you will receive the best solution for your needs while also being secure in the fact that we are constantly trying to get the best price for you. All in all, whether it be non-investment Pure Protection, Comprehensive Critical Illness Policies or Permanent Health (Income Protection) Policies you can be sure that we will strive to get you the best cover.
Life Assurance
We advise on Life Assurance on a wide range of products available on the market. Whether you require personal protection such as:
- Level Term Assurance
- Mortgage Protection Assurance
- non-investment Whole of Life Cover
or Business protection including:
- Keyperson Assurance
- Shareholder Protection
- Relevant Life Cover (which is tax efficient for those owning their own Limited Company)
At BFS Co, we have a simple price promise to all our valued clients. We offer only the most appropriate life protection that's right for you as well as getting you the best price available.
Best Advice
Our team search the entire financial protection market to ensure you are provided with the best financial protection advice. Everyone has different requirements and needs and this is evident in the personalised service we offer. We are proud to be able to tailor our advice and service to suit you and your family's particular needs.
Critical Illness Cover
Insurance companies will all cover a wide variety of critical illness conditions. At the same time, the amount paid out for certain conditions will also differ from one provider to another.
Our staff are constantly monitoring the products available from all providers to ensure that we always have the most up to date information. We work to make policies easy for you to compare and thus ensure that you receive the most comprehensive cover to suit all of your needs.
Trusts
At BFS Co, we believe it to be prudent to put protection policies in trust. Subsequently, in the event of a claim, the sum assured does not become part of your estate. As part of your estate, the monies will be required to go through probate which as a result could hold up payment. By the same token the monies could be liable for Inheritance tax. By putting the policy into trust, you can be confident your loved ones will get the full amount in a timely manner.
There are a wide range of trusts available and it can become confusing. Our experienced staff at BFS Co can assist with their completion in accordance with your instructions.
Permanent Life Insurance (Income Protection)
In addition, we are able to offer bespoke policies subject to your requirements. Income protection policies can ensure that you and your family are secure should you have an injury or illness that prevents you from working.
