Financial safeguards for your family or business.
Protection comes in many forms including life insurance, critical illness cover and income protection.
These can be for a fixed period, a term, or for the whole of your life. The level of cover can be increasing or decreasing, maybe to match your existing mortgage liability.
These policies will pay out if you die or if you are diagnosed with a serious or critical illness. Some are designed to replace your income if you are confirmed as unable to do your job.
Protection is the industry name for all the different types of life insurance that are available to individuals, their families and businesses.
For no extra expense than if you went online, or direct to the insurer, we will work with you to ensure that you have the most suitable policy that fits your budget. We will compare all the leading life companies in the UK to make sure that you pay the best price.
Life insurance in whatever form, can be surprisingly affordable. The evidence of actually needing it is ever stronger, don’t just hope you will be OK, ensure that you will all be OK.
If you are a business owner, then there are tax efficient products that can provide cover for you and your key employees. Relevant life insurance can be paid for by the business but provide a lump sum on death available for your family.
The benefit from a key person insurance policy can help ensure that your business continues to thrive if that key person is unable to work or dies.
Share holder protection pays a benefit to the remaining partners/shareholders so that they can buy out the deceased's share and ensure that the bereaved family aren’t left suddenly holding the can for a business that they know little about.
We have a number of properties with different mortgages for each. Rickard Lazenby have been excellent at helping us managing these and ensure that we are always paying the best rates. Knowing that they are independent and able to offer other services if and when needed gives us peace of mind that they will continue to help us as our portfolio evolves.
I approached Rickard Lazenby to help with my retirement planning. Everyone was easy to talk to and very knowledgeable, they explained everything clearly and made it seem much less daunting. I would happily recommend them and in fact, I have asked that they help with our daughter’s mortgages and finances too.
With a potentially complex and diverse portfolio to manage, we really struggled to find appropriate advice and guidance. Rickard Lazenby have provided excellent advice and explained things in a clear and friendly manner, we now feel much more confident and happier in our financial situation.
Our family is eternally grateful to Rickard Lazenby for sorting out my estate, allowing my wife and I to enjoy our retirement, safe in the knowledge that our childrens' futures are secure.
As a relatively small business, we didn't have the time or resources to really look after our workplace pension scheme. Rickard Lazenby now provide us continued support and guidance, so we can focus on our business.
Rickard Lazenby helped me plan and provision for my retirement. Their guidance and advice has given me back control of my finances.