During this most challenging time for us all, please be assured that we are dedicated to ensuring we remain fully operational for business, and our office will be available to contact between the hours of 10am to 5pm Monday to Friday. Our answerphone will be regularly monitored and responded to accordingly. We are a successful and established firm of Independent Financial Advisers based in Manchester, providing financial planning for businesses and private individuals. We offer specialist, professional advice on retirement planning, investment, mortgages, and protection.
Services
We are strongly committed to ensuring that all of our clients have the opportunity to make the best decisions possible for their financial future, whilst having access to a wide choice of products available in the marketplace. At the Independent Advice Bureau, we take great pride in the trust that our clients place with us, recognising that sustained professionalism in our relationships, is the key to successful financial decision making.
It's never nice to have to think about it but you could lose your job, fall ill or worse. Fortunately for most of us the chances of dying before we reach our retirement is low, making life assurance relatively inexpensive. There is a much higher likelihood of you not being able to work for an extended period yet few of us protect ourselves or our family sufficiently against these events.
Term assurance pays out a lump sum should you die within the term of the policy. It is the simplest form of life insurance and normally the cheapest option to provide the level of cover you require. Term assurance doesn't contain any investment element, it simply promises to pay out if you die within the term.
Mortgage Protection is a product (also known as decreasing term assurance) which is designed to repay the amount outstanding on a 'capital and interest' repayment mortgage should you die during the term of the mortgage. In other words, if the policyholder(s) die prematurely, the outstanding loan amount on the mortgage will be repaid in full.
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