Lauren Monckton No Comments

Health Cash Plans

An increasingly popular benefit for employees, health cash plans are a type of insurance policy which pay employees tax free cash back towards everyday health care such as dental treatment, eye tests, glasses, contact lenses and physiotherapy.

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Temple Wealth No Comments

Personal Injury Trust

This piece discusses a Personal Injury Trust, who it is appropriate for, when it is likely to be used and how it is set up.

A Personal Injury Trust is a specific type of Trust used when, in most cases, someone has received compensation for some type of accident or injury.

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Temple Wealth No Comments

Should I buy or should I rent?

The UK has one of the highest home owning percentage rates in the world. No matter how many times we experience boom or bust, the British like the idea of buying their own home.

Part of the attraction is not just financial, but the sentiment of owning your own home, not worrying about having unreputable landlords, and being able to paint your walls whatever colour you want.

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Temple Wealth No Comments

Should your life insurance policy be in trust, and who will benefit from it?

So, you’ve already arranged a life insurance policy, or you may be about to do so. Perhaps you’ve done this to cover a debt such as a mortgage, or to provide a lump sum for your partner or your financial dependents. But should this policy be in trust? Who will get the money and how long will it take?

If you have made a will then it will contain a list of who you wish to receive the benefits of your estate, but before this can be carried out your executors will have to apply for a grant of probate. If you haven’t made a will, any assets will be subject to the Laws of Intestacy which could see them go to the wrong people.

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