Life Assurance

  • Planning, in advance, for difficult days brings peace of mind.
  • For more than 40 years, and counting, we have been offering clients protection insurance, life insurance and critical illness cover.
  • Whatever type of protection you may need, we will look at your personal circumstances and at the most suitable options for you.  
 
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When it comes to protection, we understand how vital it is you receive advice you can trust. Our dedicated advisers approach protection with sensitivity and care. Pippa Bown BSc(Hons) DipFA, financial planner has been working in protection for 2 years. She and her fellow advisers understand the intricacies of policies and are adept at conveying important information to clients. 

CONTACT Pippa
Pippa Bown BSc (Hons) DipFA
Financial Planner

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This is cover that pays out on death. Some plans pay upon earlier confirmation of a terminal illness where the prognosis is death within 12 months. Life cover can pay out as a lump sum, or as income for the remainder of the policy term, depending on the chosen policy.

Free initial consultation

We invite you to a free initial meeting to discuss your protection options with you, where we can establish the products that would provide the most suitable cover for you.

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Cover can last for a set term called Term Assurance, or can last throughout life, called Whole of Life.

The amount of cover can remain the same or increase / decrease annually. Level term assurance stays the same throughout. Decreasing cover is sometimes used to cover a reducing debt, such as a repayment mortgage and usually assumes a given interest rate. Provided your mortgage rates don’t exceed that rate, then the cover should reduce at around the same rate as the mortgage. The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable.

Whether it’s life insurance or critical illness cover that you are looking for, we help you find the one that best fits with your circumstances, needs and concerns.

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Reviewable cover normally changes based on the claims experience of the life assurance company.

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For financial services that are independent, individually tailored and incomparable, contact us today. Our knowledgeable and helpful advisers will be happy to help.

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THE PLAN WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

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How has Philippa Bown helped you?

Phillipa has helped by regular face to face meetings with additional responses to questions. She has guided us through uncertain financial times.  Introduced us to different products to better serve our future. Philippa is an approachable adviser and explains with patience aspects of our financial choices.  We are confident that as we enter a different stage in our lives that her advice will continue to provide a secure base for our future.

Pauline

I have been a client of Park Hall for some years and following some changes in the organisation I have had Andrew as my Advisor for just over 1 year. Andrew undertook a thorough review of my existing portfolio, current financial situation and retirement goals at our first meeting. He provided detailed cashflow forecasting which has provided me with a much better picture given the various scenarios. He also made valuable suggestions regarding costs and charges which will make savings without compromising the investment.

B Taylor

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01623 651 773
2 Market Place
Mansfield Woodhouse
Mansfield, NG19 8AS


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Tax advice and planning, Buy to Let mortgages and Trusts and not regulated by The Financial Conduct Authority.
Please note that some advice on auto-enrolment schemes is not regulated by the FCA.
The value of your investment can fall as well as rise and is not guaranteed.
This is a lifetime mortgage (home reversion scheme). To understand the features and risks, ask for a personalised illustration.
Your property may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your property. There may be mortgages available on the high street, which Park Hall may not have access to.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk
Park Hall Financial Services Limited is authorised and regulated by the Financial Conduct Authority. FCA No. 514480.
Registered Office: 2 Market Place, Mansfield Woodhouse, Mansfield, NG19 8AS.
Park Hall Financial Services Limited is registered in England and Wales, Reg No. 06839868.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at customers based in the UK.

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