Save Money On Life Insurance & Protect Your Loved Ones
Copyright © 2024 Red Star Financial Services. All rights reserved. Red Star Financial Services Limited: Registered in England & Wales: No: 07129316. Registered office address: St Georges House, Peter Street, Manchester, M2 3NQ Red Star Financial Services Limited is authorised and regulated by the Financial Conduct Authority. See the FCA register www.fca.org.uk/register/ under reference 669592
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Save Money On Life Insurance & Protect Your Loved Ones
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Home Insurance
You can’t guarantee your valuable possessions will be safe from theft, damage or natural disaster. That’s why you need home insurance to help you cover the costs if the worst does happen.
Life Insurance
What would the financial impact be on your loved ones if you were suddenly no longer around? If you don’t have a financial plan in place already, you need to make sure you have life insurance.
If you’ve got a high value home and possessions, you’ll need specific insurance to ensure these items are covered. Many standard policies won’t cover expensive vehicles or bigger properties, for example.
High Net Worth Insurance
At Red Star, our services are centred around five pillars. This is what sets us apart from the competition…
Private Medical Insurance
Private medical insurance ensures you can prioritise your health, always. Should the worst happen, it’ll step in so that you can give yourself the greatest chance of a swift recovery and get back to enjoying your life.
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GUARANTEED ENERGY RENEWAL SAVINGS
Guaranteed Energy Renewal Saving
We are so confident that we will be able to save you money on your initial business energy renewal quote that we will put money on it, up to £1000* to be exact.
It’s our aim to help businesses, save money on energy. If we make our clients savings on their gas and electricity, then we know we are doing our job correctly.
Priding ourselves on monetary savings, we are prepared to offer up to £1000* cashback if we are not able to beat your initial renewal quote from your business energy supplier. This win-win Guaranteed Energy Renewal Saving ensures you are getting a great price for your business energy.
It is as straight forward as that. No catches, no obligation and all quotes are offered are totally free.
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*Terms and conditions apply. Please see below for details.
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Why Is Life Insurance Important
Life insurance is important, it protects your family and lets you leave them a non-taxable amount after death.
It is also used to cover your mortgage and your personal debts, such as your car loan. Your individual life insurance follows you when you retire and you are no longer insured by your employer.
Lump Sum Payment
Up to £5million of cover to help protect the things that are important in you life
Flexible Length of Cover
Choose how long you'd like your cover to last, anywhere from 1 to 50 years
Cover Choice
Cover that goes up to protect against inflation or an amount that goes down over time
Compare quotes from leading UK insurers that protect you, your family and your future.
Buying a new home
If you die before your mortgage is repaid, responsibility to complete payments falls upon someone you love. Life insurance allows you to be proactive about meet financial commitments after you’ve passed.
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If you’ve recently become married and joined families and assets, it can make life easier to know you are both covered if one of you were to die. Life insurance enables you to make financial contributions to your partner’s well-being after you’ve departed. It is a beautiful way to honour your marriage vows.
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Just married
The cost of raising a child is expensive, even before considerations like child care or university contributions. There are policies available that run until your child reaches maturity to protect your children
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Having children
Funeral costs are often expensive, with special requirements increasing financial burden on families. Life insurance could help to pay off this cost. Contributions for this type of life cover tend to be smaller than others as the payout is significantly lower.
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Planning a funeral
Inheritance tax has become unpopular for those intending to leave money for their children once they die. Bills can run into tens of thousands of pounds, which can make a significant decrease in your children’s inheritance. However, if you were to buy a life insurance policy that covered the tax bill, they could enjoy everything you intended them to receive.
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Inheritance tax
Getting older is a fact of life, and has a tendency to make us reflect. If you are eldery, in poor health or in any above scenarios, financial security of your next generation will trouble your mind. Life insurance provides peace of mind knowing that those left behind are protected.
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Financial secure children
6 Scenarios to live your Life Insured
Life insurance provides peace of mind, knowing your family will be financially stable after you pass away. It means your loved ones receive financial help when they can no longer rely on your income or salary.
Pay-outs from life insurance are often used to continue mortgage payments, clear debts or simply cover everyday expenses. Some people will use the money to pay for a funeral in instances where funds have not been set aside.
Life Insurance FAQ's
What’s covered by life insurance?
If you have a partner or family who would struggle to cope financially if you died, life insurance is certainly recommended.
It will provide the help they need during a very emotional time. If you’re single and have no dependents, you may not need life insurance, because no one else is relying on your income for life’s essentials.
The amount covered by life insurance is referred to as the “sum insured”. life insurance can differ for each family depending on the circumstances.
For instance, if you’re married with four children and have a large mortgage, you’ll undoubtedly need more cover than a single parent who has one child and a two-bedroom flat.
It’s accepted that ten times your salary or income is a sufficient amount to be insured, but everyone’s circumstances are different. This is why we advise making detailed calculations to ensure everything is covered.
The premium you pay for life insurance will depend on the amount you’re insuring.
The risk of making a claim is (for example, if you have a dangerous job and) the type of policy.
Age can be a big factor as life insurance is often more expensive if you’re older. If you’re in poor health, you may also find that you’re asked to pay a higher premium due to higher risk.
When you speak to insurers about life insurance, expect them to take into account your lifestyle, occupation, hobbies and level of fitness when they work out a premium for you.
They may even check your postcode, because you’re deemed more likely to make a claim if you live in certain areas within the UK.
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