Business Details
Trusted Financial Advisers in Bromsgrove
LifeAssureOnline is an independent financial advisory firm offering tailored life insurance and protection solutions across the United Kingdom. Established as a trading style of AFH Independent Financial Services Limited, we are authorized and regulated by the Financial Conduct Authority (FCA), ensuring compliance with rigorous industry standards. Our team of experienced advisers provides personalized guidance on life insurance, critical illness cover, income protection, and business protection, prioritizing client needs over generic sales practices. We operate through online and telephone channels, granting clients access to a comprehensive market comparison while maintaining a commitment to transparent, no-obligation advice.As part of the AFH Financial Group, we leverage extensive industry expertise to deliver cost-effective, client-centric solutions. Our services cater to individuals seeking affordable coverage, including those earning minimum wage or requiring over-50s life insurance, as well as businesses needing key person protection. We emphasize long-term client relationships, ensuring policies align with evolving financial circumstances and protection needs. Our FCA authorization (Financial Services Register no. 216704) underscores our dedication to ethical practices and client trustworthiness.
Services
Life Insurance
Critical Illness
Income Protection
Business Protection
Whole of Life Insurance
Highlights and features
- We are FCA-authorized and regulated for client protection.
- We offer whole-of-market product comparisons.
- Our advisers provide personalized, no-obligation guidance.
- We specialize in affordable coverage for diverse client needs.
- We do not sell client data to third-party brokers.
Associations and certifications
- Financial Conduct Authority
Services
Life Insurance
Life insurance provides financial protection for dependants in the event of the policyholder's death. We offer term assurance, whole-of-life policies, and specialized options like family income benefit. Our FCA-regulated advisers ensure tailored solutions to meet mortgage obligations, inheritance tax planning, or personal needs.
Critical Illness
Critical illness insurance offers a tax-free lump sum or income for diagnosed conditions like cancer or heart disease. We provide standalone or combined policies to cover medical expenses, debt repayment, or lifestyle adjustments, with options for total permanent disability coverage.
Income Protection
Income protection replaces earnings lost due to sickness or disability. We offer policies with flexible deferred periods, guaranteed premiums, and inflation protection, tailored for self-employed individuals and professionals, ensuring financial stability until retirement age.
Business Protection
Business protection safeguards companies against financial loss from key personnel death or critical illness. We provide director share protection, partnership cover, and group life insurance to ensure business continuity and shareholder security for SMEs and larger enterprises.
Whole of Life Insurance
Whole of life insurance guarantees a payout upon the policyholder's death, often used for inheritance tax planning. We offer investment-linked and fixed-premium policies, with options to place policies in trust for efficient estate management and funeral expense coverage.
Questions
What types of life insurance do you offer?
We provide term assurance, whole-of-life insurance, family income benefit, and joint life policies, tailored to individual needs and financial goals.
Can I get critical illness cover with pre-existing conditions?
Coverage depends on individual circumstances; our advisers assess options to find policies accommodating pre-existing conditions where possible.
How does income protection work for self-employed individuals?
Self-employed clients receive policies covering income loss from disability or illness, with premiums based on occupation and risk factors.
What is business protection insurance?
Business protection covers financial losses from key personnel death or critical illness, including director share protection and partnership cover.
Do you offer online quotes for insurance policies?
Yes, we provide instant online quotes for life insurance, critical illness, and income protection, with optional adviser consultation for detailed advice.
Are your services regulated by the FCA?
Yes, we are authorized and regulated by the Financial Conduct Authority (FCA) under registration number 216704.
Reviews (1)
Missy Brissett
Feb 17, 2020
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George was extremely professional, listened to carefully to what we required and recommended the best policies for our situation. Really found them to deliver great customer service with timely answers to queries.
