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Life insurance

Life insurance is designed to pay out a lump sum to your family in the event of your death, enabling them to keep up mortgage payments, bills, childcare costs and whatever else is required to maintain the lifestyle they’re used to when they no longer have your income to support them. A payout from a life insurance

Actived: 2 days ago

URL: https://www.teeslaw.com/insights/term-vs-whole-life-insurance/

Critical illness and income protection insurance for

(2 days ago) Income protection insurance is designed to provide you with a monthly income if you are unable to work due to illness or injury. It will pay out a percentage of your usual monthly income until you can return to work, allowing you to recover without the stress of a significantly reduced income.

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Protection for families and businesses Tees law

(1 days ago) From life insurance to income protection cover, our independent financial advisers will help you find the right protection for your family, based on your needs and circumstances. Taking a ‘whole of market’ approach, we can offer: life insurance, including term and whole of life insurance

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Dispute resolution solicitors

(8 days ago) House insurance, travel insurance, pet insurance – we all spend hundreds of pounds a year to protect the things we value against disaster. So when the worst happens we’re covered and we can make a claim. Sometimes insurance companies will say that they’re not liable to pay out in the particular circumstances of your case.

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Business Protection Insurance and Legal Advice Tees Law

(1 days ago) Life insurance policies make sure you have the means to employ a replacement person in the event of death or long-term illness or injury, and carry on despite such a setback. Shareholder protection. This works in the same way as key person protection and uses insurance policies to …

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Business insurance

(1 days ago) This type of insurance is the second most valued employment benefit after private medical insurance, as can help your employee’s beneficiaries with costs such as funeral arrangements and living expenses at a very difficult time. The lump sum paid out is usually …

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Business Insurance Dispute and Litigation Solicitors Tees

(9 days ago) Acting for insurance companies defending personal injury claims We look after you. We‘ll give you fast, cost-effective advice and support on insurance disputes and the full range of liability, recovery and criminal issues. We look to minimise the risk to you at all times, while working to get the best possible result for your business.

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Employee benefits independent financial advice Tees Law

(9 days ago) life insurance; critical illness cover; income protection; private medical insurance; voucher schemes; car leasing schemes. Combined legal and financial services. We can also combine your financial planning and legal management. Our service includes related areas of law such as employment law, commercial property and litigation.

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Expert legal services and independent financial advice

(3 days ago) East Anglia – Insurance - Personal Injury & Clinical Negligence - Claimant. We have many ranked solicitors with nine solicitors named as Leading Individuals, one as a Next Generation Partner, 12 as Rising Stars, and a further 31 lawyers were highlighted as Recommended Lawyers.

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What to do when someone dies

(9 days ago) Insurance: look for papers relating to the insurance of the property and its contents. Ring the insurers, tell them about the death and make sure that there is adequate home and contents cover in place. Keep a note of your conversation with the insurers with the paperwork.

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What you need to know before you get married

(1 days ago) Wedding insurance is a type of insurance that protects you if something goes wrong with your wedding arrangements. It protects the financial investment you’ve made in your wedding day. For example, wedding insurance policies typically cover the loss of things like food, flowers, travel, clothing, wedding rings and your wedding venue.

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What are my rights if my employer goes into liquidation

(1 days ago) The National Insurance Fund is made up of National Insurance contributions which are held to be used to pay for statutory schemes such as state pensions and redundancy. The claims you are able to make from the National Insurance fund include: Holiday pay Salary arrears; Statutory notice pay; Statutory redundancy pay Pension contribution.

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Employers pension & national insurance contributions

(Just Now) Pension and employer National Insurance contributions are calculated based on your employee’s earnings. This means that if your employee has agreed to a temporary pay suspension, then you won’t have to continue making contributions until you resume paying their salary.

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Can UK firms claim on business interruption insurance due

(4 days ago) Insurance companies are subject to strict regulatory rules. They are required to act honestly, fairly and professionally in accordance with the best interests of their customers. Particular regard should be had for individuals and small business customers (defined as having an annual turnover of less than £6.5 million and employing less than

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Pensions for company directors

(4 days ago) The National Insurance rate for 2020/21 is 13.8%, so by contributing directly into your pension rather than paying the equivalent in salary, you save up to 13.8%. This means that in total, your company can save up to 32.8% by paying money directly into your pension …

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How a divorce settlement is worked out

(2 days ago) Investments, cash, insurance policies and pensions – check their current market value Valuables – value any expensive belongings, for example vehicles, jewellery or works of art Business Assets – if either or both of you own a business or have a share in one

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Coronavirus

(Just Now) Coronavirus legal information Tees is open and ready to help you. Scroll down for a wide range of useful articles on Coronavirus-related legal and financial issues, which you may find helpful when dealing with any issues you're facing.

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Inheritance tax

(5 days ago) Life Insurance Policies Rather than a way to avoid inheritance tax, Life, or Inheritance Tax insurance is a way to ensure that the tax liability is funded when you die. You can set up a whole of life insurance plan which will pay out a lump sum on your death. This will then pay the Inheritance Tax due on your estate at that point.

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Chartered Financial Planner status for Tees' wealth managers

(9 days ago) The CII is the professional body for personal finance and is dedicated to building public trust in the insurance and financial planning profession. Using a firm with Corporate Chartered Financial Planner status gives clients the reassurance they need that they are dealing with a company that works to the highest professional standards and

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Settlement agreements: legal advice for bankers

(4 days ago) This is the case whether or not you are required to work your notice period. It is treated as earnings and subject to tax and National Insurance contribution deductions. This also applies to payments for accrued untaken holiday. Ex-gratia payments (non- contractual payments) can normally be paid without deduction of tax, up to a value of £30,000.

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How to start a personal injury claim

(Just Now) No, as employers are required to have employee liability insurance and your damages will be paid by the insurer and not your employer. If you are dismissed as a result of making a claim and there is no other valid reason you also have your rights to damages under employment legislation and one our specialist team of employment lawyers can

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No win no fee claims Medical negligence solicitors

(3 days ago) Legal 500 UK 2021, East Anglia- Insurance- Personal Injury & Clinical Negligence- Claimant Legal 500 UK 2021 / Leading individual "Janine Collier, head of department, is a perspicacious and very able lawyer, certainly one of the best in the region and beyond, who believes in …

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10 things to know to buy or sell a house

(6 days ago) Unless the insurance is being arranged by the lender or it is a leasehold property and the insurance is dealt with by the landlord, this must usually be arranged from exchange of contracts as the property will be at your risk from that time. You should make arrangements …

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How to start a business in France Tees Law

(5 days ago) French business insurance Consider taking expert advice regarding your public liability and professional indemnity insurance. While it is not obligatory for all business activities, your business classification will identify what cover is required and premiums can be high. Finding business premises in France

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Changes to capital gains tax for landlords and second

(2 days ago) Receiving compensation (e.g. an insurance payout) due to the loss or damage of the asset. When do I have to pay Capital Gains Tax on a property? You will usually be taxed on the sale of a property if it is a second home or buy-to-let property, or if you have let out part of your main residence.

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Financial advice tips for efficient money

(2 days ago) Other essential outgoings – such as shoes and clothing, school uniform, car insurance and road tax, commuting costs, paying off debt, etc. Savings – once you have prioritised your essential expenses, it is important to budget for savings, such as your emergency savings fund and pension contributions, before you budget for other daily expenses

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Lease extensions

(Just Now) Leaving the car insurance till the last minute can cost money, because we don’t have time to look around for the best deal. In our opinion it is best to extend a lease while there is still 85-95 years remaining, increasing the value of your leasehold property .

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Settlement agreements

(8 days ago) It is treated as earnings and subject to tax and National Insurance contribution deductions. This also applies to payments for accrued untaken holiday. Ex-gratia payments (non- contractual payments) can normally be paid without deduction of tax, up to a value of £30,000.

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Auto Enrolment & Workplace Pensions Independent

(8 days ago) Coronavirus: answering your questions about pension and employer National Insurance contributions. 9 min read . All news Cookies on Tees. We use cookies to improve your experience on our site and to identify issues. More information. More options. Accept all. Cookies on our site. Strictly necessary

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Coronavirus

(Just Now) The government will return to paying a more generous 80% of furloughed employees’ salaries in November, with employers only footing the cost of employer National Insurance and pension contributions. Employers small or large, charitable or non-profit, …

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Find a lawyer, find a financial adviser Tees Law

(5 days ago) You can call us as normal on 0800 013 1165 or email us: [email protected]teeslaw.com. You can also find contact details for all our advisers here.. As a flexible and technologically-adept firm, we already had many home-working systems in place.

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Litigation solicitors

(Just Now) Insurance Brokers: for failing to ensure adequate cover was in place; Solicitors: obtaining damages for negligent will drafting, a failure to grant a right of way and for missing a personal injury deadline; Surveyors: claiming in relation to an over valuation and for failing to report the true condition of a property

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Guide to pensions and retirement

(7 days ago) The State Pension: This is a weekly payment (currently £175.20 per week) payable at State Pension age. Entitlement is built up by either paying or being credited with National Insurance contributions (NICs) during your working life. To qualify for the new full State Pension, you need a 35-year NICs record.

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Privacy policy

(4 days ago) Your National Insurance and tax details. Your bank and/or building society details. Details of your professional online presence, eg LinkedIn profile. Details of your spouse/partner and dependants or other family members, eg if you instruct us on a family matter or a will.

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How to make a medical negligence claim

(5 days ago) legal-expenses insurance trade union funding “legal aid” private funding “no win, no fee”. No win, no fee. Most medical negligence clients choose a “no win, no fee” agreement. This means if your case is not successful and you don’t get any compensation, there is nothing to pay.

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Prenuptial agreements

(6 days ago) A prenuptial agreement is like an insurance policy - a legal document which allows you and your partner to agree on a fair and appropriate arrangement for what you would want to happen if your relationship were to break down. It’s a formal agreement about financial arrangements on divorce, so you both know where you stand. Like an insurance

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Guide to ISAs

(1 days ago) Life insurance: term vs. whole of life – what’s best for you? 9 min read . Protection for families and businesses. Investing – why it’s never too early to start. 3 min read . See all related articles. Send us a confidential enquiry and our team will be in touch as soon as we can.

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Legal and financial advice

(8 days ago) Perkbox membership – access to gyms, big brand discounts, free phone insurance and more! Permanent Health Insurance scheme; 25 days’ annual leave; Birthday leave. There are also opportunities to get involved in social and community activities.

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The legal rights of unmarried couples

(4 days ago) Life insurance: term vs. whole of life – what’s best for you? 9 min read . Families and divorce. Legal things to know before you get married. 8 min read . Employment law. Can my employer change my contract without my consent? 8 min read . See all related articles.

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Negligence claim

(Just Now) Life insurance: term vs. whole of life – what’s best for you? 9 min read . See all related articles. Cookies on Tees. We use cookies to improve your experience on our site and to identify issues. More information. More options. Accept all. Cookies on our site. Strictly necessary

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What is pension drawdown and how does it work

(6 days ago) Pension (or income) drawdown is one of the ways you can use your pension pot to provide a regular income when you reach retirement. Drawdown is a flexible way of accessing your pension, while allowing your pension fund to keep growing.

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Privacy policy

(8 days ago) Three years for insurance business; These are minimum periods, during which we have a legal obligation to retain your records. We reserve the right to retain data for longer where we believe it is in our legitimate interests to do so. In any case, we will not keep your personal data for longer than 50 years after our relationship with you has

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Wrongful Birth Claims Solicitors Tees

(5 days ago) Alternatively, in certain situations we may offer a conditional fee agreement (also known as a ‘No Win, No Fee Agreement’) and insurance. It means you can pursue the case without having to worry about paying any legal costs and if the case is not successful, there is nothing to pay.

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Contracts for farmers

(7 days ago) Credit insurance provides a level of security against that risk. It’s relatively expensive but provides a pay-out in the event of a merchant defaulting, and can help control financial loss. In the farming industry, many agreements are based on trust and verbal communication. Wellgrain highlights the need for written contracts (and legal

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Cerebral Palsy Claims Solicitors Tees

(8 days ago) Alternatively, in certain situations we may offer a conditional fee agreement (also known as a ‘No Win, No Fee Agreement’) and insurance. It means you can pursue the case without having to worry about paying any legal costs and if the case is not successful, there is nothing to pay.

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Postnatal Post-Traumatic Stress Disorder Claims Solicitors

(Just Now) There are other potential ways of paying for the case, including and legal expenses insurance. We will explain the options available after your free initial assessment. t. Free initial assessment for a PTSD after birth claim. One of our leading medical negligence solicitors will assess your case free of charge.

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Contact us Tees

(2 days ago) You can call us as normal on 0800 013 1165 or email us: [email protected]teeslaw.com. You can also find contact details for all our advisers here.. As a flexible and technologically-adept firm, we already had many home-working systems in place.

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Medical negligence claims solicitors

(5 days ago) Many people each year undergo plastic surgery - but it doesn't always go to plan. Read about what you should consider before going ahead with surgery. If it goes wrong it could be due to medical negligence and you may be able to make a claim.

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One farming family, over 30 years of trusted legal and

(5 days ago) Writing your life insurance in trust is a way to avoid paying IHT on the eventual payout. When you place an asset into a trust, you essentially give up ownership of that asset to the trust and appoint trustees to oversee it (this can be a solicitor, like Catherine, or somebody else). As the assets (in this case, the life insurance policy) don

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