Home Page About Us Testimonials Financial Markets Update How we are Paid Contact Us
Protection Mortgages Pensions Corporate Investments Equity Release

 

Term Assurance

Term assurance or insurance as the two words are now interchangeable, is so called because the client purchases insurance cover for a specific term, e.g. 10 years. The policy will pay the sum assured, only on death or usually, on the diagnosis of a terminal illness.

Such policies are bought to cover a loan, e.g. a mortgage or replace lost income such as in the case of a young family, on the death of the breadwinner.

Whole of Life Policies

More expensive than term assurance, these policies will always pay the sum assured as they cover the policy holder/s until death. They can be used to cover funeral expenses and also Inheritance Tax liability.

Critical Illness

Critical illness policies are most commonly purchased with life cover and used as a mortgage protection policy. The actual sum assured will reduce broadly in line with your mortgage and therefore this decreasing term cover will be cheaper to buy than a level term policy.

Critical illness plans are not simple insurance policies and providers can offer different numbers if illnesses covered, as well as varying definitions of specific afflictions. Critical illness policies will pay the sum assured on diagnosis of a defined illness and not on the prognosis.

Income Protection

There are several means by which you can replace a percentage of your income should you become ill and unable to work. It would not be sensible at all, to rely on state benefits if for example you have mortgage payments to make and you would receive limited or no help from your employer in such circumstances. For the self-employed with a mortgage, such cover is essential.

0151 339 4757 and ask for John Parry.

BMS Financial, Independent Financial Advisers, 11 Juniper Drive, Great Sutton, Cheshire, England, CH66 2YW tel: 0151 339 4757 - fax: 0870 7622064 Registered in England No 5800802 

This site is maintained by ConsultNet Ltd ConsultNet Ltd

 

 

 

 

 

BMS Financial Ltd are independent financial advisers based in Great Sutton, Cheshire provide independent financial advise in Tarporley, Cheshire, Northwest, UK and all surrounding areas Alderley Edge, Alsager, Bollington, Chester, Congleton, Cranage, Crewe, Culcheth, Daresbury, Ellesmere Port, Faddiley, Frodsham, Grappenhall, Hale, Handforth, Haslington, Holmes Chapel, Kingsley, Knutsford, Lower Whitley, Lymm, Macclesfield, Malpas, Middlewich, Nantwich, Neston, Northwich, Penketh, Poynton, Prestbury, Runcorn, Sale, Sandbach, Stockton Heath, Tarporley, Warrington, Widnes, Wilmslow, Wincham, Winsford, Wistaston, Acton Bridge, Agden Brow, Allostock, Alvanley Anderton, Antrobus, Arley, Aston by Budworth, Barnton, Billinge Green, Bostock, Bucklow Hill, BUPA (Stretton), Castle, Comberbach, Crowley, Crowton, Cuddington, Davenham, Delamere, Delamere Park, Goostrey, Gorstage, Great Budworth, Greenbank, Hartford, Hatchmere, High Legh, Holmes Chapel, Kelsall, Kingsley, Kingsmead, Knutsford, Lach Dennis, Leftwich, Leighton Hospital, Little Bollington, Little Budworth, Little Leigh, Lostock Gralam, Lostock Green, Lower Peover, Lymm, Marston, Marton, Mere, Middlewich, Millington, Mobberley, Moulton, Norley, Northwich, Oakmere, Oughtrington, Over Peover, Pickmere, Plumley, Rudheath, Sandiway, Shurlach, Stanthorne, Tabley, Utkinton, Weaverham, Whitegate, Whitley, Willington, Wincham, Winnington, Winsford, Acton , Adlington, Alderley Edge , Alderley Park , Aldersey , Aldford , Allgreave , Alsager , Alvanley, Anderton, Ashley, Ashton, Astbury, Audlem, Backford, Baddiley, Barthomley, Beeston, Bickley , Bickley Moss , Bollington, Bosley, Brereton Green , Broxton , Bunbury , Burton , Calveley , Capenhurst , Checkley , Chelford, Chester , Cholmondeley , Christleton , Church Coppenhall , Church Minshull , Clotton, Coddington, Congleton, Cote Brook , Crewe, Cuddington , Daresbury , Davenham , Delamere, Disley, Doddington, Dodleston , Duddon , Dunham-on-the-Hill , Eaton, Eccleston , Ellesmere Port , Elton , Farndon , Farnworth , Frodsham, Gawsworth, Goostrey, Great Barrow , Great Budworth , Great Sutton , Hale, Hale Bank, Halton, Handforth , Hankelow, Hargrave , Hartford, Harthill, Helsby , High Legh , Holmes Chapel ,Hough Green, Huxley, Ince, Jodrell Bank , Kelsall, Kingsley, Knutsford, Langley, Ledsham, Little Budworth , Little Sutton, Lostock Gralam, Lymm, Macclesfield, Malpas, Marbury, Marston , Marthall , Mere , Mickle Trafford, Middlewich, Mobberley , Mollington, Moore , Mouldsworth, Mow Cop , Nantwich, Neston, Nether Alderley, North Rode, Northwich, Over , Parkgate , Peover , Plumley, Pott Shrigley , Poynton , Prestbury , Preston Brook, Pulford, Radway Green , Rainow, Rode Heath, Rostherne, Runcorn, Saighton , Sandbach , Saughall, Shocklach , Shotwick , Siddington, Somerford, Spurstow, Stamford Bridge, Stanlow , Stoke , Strines, Swettenham, Tabley , Tarporley , Tarvin , Tattenhall, Tatton, Thornton le Moors , Threapwood, Tilston, Tiverton, Upton, Wallerscote, Warrington,Warmingham, Warren, Waverton, Weaverham, Wervin, Weston, Weston , Weston Point, Wharton, Wheelock , Whitegate, Widnes, Willaston, Willaston, Wilmslow, Winnington, Winsford , Wistaston, Woodford , Worleston, Wrenbury , Wrinehill, Wybunbury

 

 

BMS Financial Ltd are independent financial advisers based in Cheshire also provide independent financial advise in the following areas in the UK

ENGLAND
Bedfordshire (Bedford, Luton, Dunstable, Leighton Buzzard, Biggleswade, Sandy)
Berkshire (Reading, Bracknell, Maidenhead, Newbury, Windsor, Wokingham, Abingdon)
Buckinghamshire (Aylesbury, Milton Keynes, Slough, Buckingham, High Wycombe)
Cambridgeshire (Cambridge, Wisbech, Ely, March, Whittlesey, Chatteris, Linton)
Cheshire (Knustford, Northwich, Chester, Stockport, Birkenhead, Wallasey, Runcorn, Macclesfield, Crewe)
Cornwall (Bodmin, Truro, Camborne, Redruth, St. Austell, Falmouth, Penzance, Newquay)
Cumberland (Carlisle, Whitehaven, Workington, Penrith, Keswick, Brampton)
Derbyshire (Derby, Chesterfield, Ilkeston, Swadlincote, Buxton, Matlock, Ashbourne)
Devon (Exeter, Plymouth, Torquay, Paignton, Barnstaple, Tiverton, Newton Abbot, Tavistock)
Dorset (Dorchester, Poole, Weymouth, Sherborne, Wimborne Minster, Shaftesbury)
Durham (Durham, Sunderland, Stockton-on-Tees, Darlington, Hartlepool, Gateshead, Washington)
Essex (Chelmsford, Basildon, Romford, Southend, Colcheter, Harlow, Brentwood, West Ham)
Gloucestershire (Gloucester, Bristol, Cheltenham, Stroud, Cirencester, Tewkesbury)
Hampshire (Winchester, Southampton, Portsmouth, Bournemouth, Basingstoke, Newport)
Herefordshire (Hereford, Ross-on-Wye, Leominster, Ledbury, Bromyard, Kington)
Hertfordshire (Hertford, Watford, St. Albans, Hemel Hempstead, Stevenage, Hatfield)
Huntingdonshire (Huntingdon, St. Ives, St. Neots, Ramsey, Yaxley)
Kent (Maidstone, Canterbury, Bromley, Rochester, Margate, Folkestone, Dover, Greenwich)
Lancashire (Lancaster, Liverpool, Manchester, Preston, Bolton, Warrington, Barrow-in-Furness)
Leicestershire (Leicester, Loughborough, Hinckley, Melton Mowbray, Coalville, Lutterworth)
Lincolnshire (Lincoln, Grimsby, Scunthorpe, Boston, Grantham, Stamford, Skegness, Louth)
Middlesex (City of London, Harrow, Enfield, Staines, Ealing, Potters Bar, Westminster )
Norfolk (Norwich, Great Yarmouth, King's Lynn, Dereham, Cromer, Hunstanton)
Northamptonshire (Northampton, Peterborough, Corby, Kettering, Wellingborough)
Northumberland (Alnwick, Newcastle-upon-Tyne, Morpeth, Hexham, Berwick-upon-Tweed)
Nottinghamshire (Nottingham, Mansfield, Worksop, Newark, Retford, Southwell)
Oxfordshire (Oxford, Banbury, Witney, Bicester, Henley-on-Thames, Carterton, Thame)
Rutland (Oakham, Uppingham. Cottesmore)
Shropshire (Shrewsbury, Telford, Oswestry, Bridgnorth, Whitchurch, Market Drayton, Ludlow)
Somerset (Taunton, Bath, Weston-super-Mare, Yeovil, Bridgwater, Wells, Glastonbury)
Staffordshire (Stafford, Stoke-on-Trent, Wolverhampton, Walsall, Cannock, Lichfield)
Suffolk (Ipswich, Bury St. Edmunds, Lowestoft, Felixstowe, Sudbury, Haverhill, Bungay)
Surrey (Guildford, Croydon, Woking, Sutton, Kingston-on-Thames, Wandsworth, Wimbledon, Brixton)
Sussex (Chichester, Brighton, Worthing, Crawley, Hastings, Eastbourne, Bognor Regis, Horsham)
Warwickshire (Warwick, Birmingham, Coventry, Nuneaton, Rugby, Solihull, Stratford-upon-Avon)
Westmorland (Appleby, Kendal, Windermere, Ambleside, Kirkby Lonsdale)
Wiltshire (Trowbridge, Salisbury, Swindon, Chippenham, Devizes, Marlborough, Warminster)
Worcestershire (Worcester, Dudley, Kidderminster, Stourbridge, Halesowen, Malvern, Evesham)
Yorkshire
North Riding (Northallerton, Middlesbrough, Scarborough, Whitby)
East Riding (Beverley, Hull, Bridlington, Driffield, Hornsea, Filey)
West Riding (Wakefield, Leeds, Sheffield, Bradford, Halifax, Harrogate)
York (within the Walls)

WALES (including Monmouthshire)
Anglesey/Sir Fon (Beaumaris, Holyhead, Llangefni, Amlwch, Menai Bridge)
Brecknockshire/Sir Frycheiniog (Brecon, Builth Wells, Hay-on-Wye, Talgarth, Llanwrtwd Wells)
Caernarfonshire/Sir Gaernarfon (Caernarfon, Bangor, Llandudno, Conwy, Pwllheli, Porthmadog)
Carmarthenshire/Sir Gaerfyrddin (Carmarthen, Llanelli, Ammanford, Llandovery, Kidwelly, St. Clears)
Cardiganshire/Ceredigion (Cardigan, Aberystwyth, Lampeter, New Quay, Tregaron)
Denbighshire/Sir Ddinbych (Denbigh, Wrexham, Ruthin, Abergele, Llangollen)
Flintshire/Sir Fflint (Mold, Flint, Rhyl, Prestatyn, Connah's Quay, Holywell, Buckley, St. Asaph)
Glamorgan/Morgannwg (Cardiff, Swansea, Merthyr Tydfil, Barry, Caerphilly, Bridgend, Neath, Pontypridd)
Merioneth/Meirionnydd (Dolgellau, Bala, Tywyn, Blaenau Ffestiniog, Barmouth, Harlech)
Monmouthshire/Sir Fynwy (Monmouth, Newport, Blackwood, Cwmbran, Abergavenny, Chepstow, Tredegar)
Montgomeryshire/Sir Drefaldwyn (Montgomery, Newtown, Welshpool, Machynlleth, Llanidloes)
Pembrokeshire/Sir Benfro (Pembroke, Milford Haven, Haverfordwest, Fishguard, Tenby, St. David's)
Radnorshire/Sir Faesyfed (Presteigne, Llandrindod Wells, Knighton, Rhayader, New Radnor)

SCOTLAND
Aberdeenshire (Aberdeen, Peterhead, Fraserburgh, Inverurie, Huntley, Ellon, Turriff)
Angus/Forfarshire (Forfar, Dundee, Arbroath, Brechin, Montrose, Carnoustie, Kirriemuir)
Argyllshire (Inveraray, Oban, Dunoon, Campbeltown, Lochgilphead, Tobermory)
Ayrshire (Ayr, Kilmarnock, Irvine, Saltcoats, Kilwinning, Largs, Troon, Cumnock)
Banffshire (Banff, Buckie, Keith, Macduff, Portsoy, Dufftown)
Berwickshire (Greenlaw, Duns, Eyemouth, Lauder, Coldstream)
Buteshire (Rothesay, Millport, Brodick, Lochranza)
Cromartyshire (Cromarty, Ullapool)
Caithness (Wick, Thurso, Halkirk, Castletown)
Clackmannanshire (Clackmannan, Alloa, Tillicoultry, Tullibody)
Dumfriesshire (Dumfries, Annan, Lockerbie, Moffat, Sanquhar, Langholm, Gretna)
Dunbartonshire/Dumbartonshire (Dumbarton, Clydebank, Cumbernauld, Helensburgh, Alexandria, Kirkintilloch)
East Lothian/Haddingtonshire (Haddington, North Berwick, Dunbar, Tranent, East Linton)
Fife (Cupar, Dunfermline, Glenrothes, Kirkcaldy, St. Andrews, Cowdenbeath, Burntisland)
Inverness-shire (Inverness, Fort William, Kingussie, Newtonmore, Portree)
Kincardineshire (Stonehaven, Banchory, Laurencekirk, Inverbervie)
Kinross-shire (Kinross, Milnathort)
Kirkcudbrightshire (Kircudbright, Castle Douglas, Dalbeattie, New Galloway)
Lanarkshire (Lanark, Glasgow, East Kilbride, Hamilton, Motherwell, Coatbridge, Carluke)
Midlothian/Edinburghshire (Edinburgh, Musselburgh, Penicuik, Dalkeith, Bonnyrigg)
Morayshire (Elgin, Forres, Rothes, Lossiemouth, Fochabers)
Nairnshire (Nairn, Auldearn, Cawdor, Ferness)
Orkney (Kirkwall, Sromness, Balfour)
Peeblesshire (Peebles, Innerleithen, West Linton)
Perthshire (Perth, Crieff, Pitlochry, Callander, Blairgowrie, Rattray, Coupar Angus, Kincardine)
Renfrewshire (Renfrew, Paisley, Greenock, Johnstone, Port Glasgow, Barrhead, Kilmalcolm)
Ross-shire (Dingwall, Stornaway, Tain, Alness, Invergorden)
Roxburghshire (Jedburgh, Hawick, Kelso, Melrose, Roxburgh)
Selkirkshire (Selkirk, Clovenfords, Galashiels)
Shetland (Lerwick, Scalloway, Baltasound)
Stirlingshire (Stirling, Falkirk, Grangemouth, Kilsyth, Bridge of Allan, Denny, Alva)
Sutherland (Dornoch, Helmsdale, Brora, Golspie, Lairg, Durness, Tongue)
West Lothian/Linlithgowshire (Linlithgow, Livingston, Bo'ness, Broxburn, Whitburn, Armadale, Bathgate)
Wigtownshire (Wigtown, Stranraer, Newton Stewart, Whithorn)