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The advice Salus offer includes protection for six specialist insurance areas:

Inheritance Tax (IHT) Planning

Creating a pot of money to help pay an IHT liability.

A deceased person’s estate often gives rise to an inheritance or death tax liability. Life insurance can create a substantial pool of funds to offset the tax and leave assets intact. This is particularly important in countries where the tax must be paid before the estate can be released. In the UK particularly, there is a compelling arbitrage opportunity.  

Family Security

Financial Security for those that matter most.

A life insurance policy ensures there are enough assets to provide for the family in case of the untimely death of the main provider. This is particularly important for families with young dependents.

Protecting Debt / Lending

A pot of money to repay a mortgage loan or other debt.

The proceeds of an insurance policy can be used to repay any debts. This leaves homes and other illiquid assets available for the benefit of the remaining family.

Shareholder Protection

Creating liquid assets for surviving shareholders to purchase inherited shares from a deceased’s family.

When a business owner/partner suffers an untimely death, it can create huge issues for remaining shareholders. By insuring shareholders and putting buy/sell agreements in place, this can solve problems for all parties including family members.

Keyman Protection

Protect a business from the financial impact of losing a key employee.

When a key employee of a business dies, it is a significant risk to the business. Insurance provides financial support until a suitably able and qualified person can be found.

Estate Equalisation

For passing of an illiquid estate to multiple heirs fairly.

Often a deceased’s assets are illiquid (particularly business owners) and cannot be divided up between heirs without sometimes force selling illiquid assets. Insurance can provide liquidity so that the estate can be split fairly among all parties and kept intact.

Critical Illness Protection

To provide financial assistance to people who suffer from severe illness.

When an individual suffers a critical illness, it is devastating for a family. Add to this the financial impact, particularly if the person diagnosed is the main provider for the family. Critical illness cover provides vital financial support at this time.