Phone:01570 423 823 | post@cyfri.co.uk
Investment Linked
Investment Linked Insurance
With term assurance policies, lower premiums make them an affordable way of guaranteeing the security of your family in the event of your death, but there is no guarantee of a payout. Some life insurance policies however, can be effectively used as an investment.
Whole life or endowment policies will provide the beneficiaries with a payout after a fixed period or a death. These payments can be guaranteed fixed return, or in some cases linked to an insurance company's investment performance in the form of profit policies or unit linked policies.
Profits policies may generate rewards from the valuation of the assets and liabilities of the insurer's life fund, but premiums will be much higher. Unit linked policies link the value of the policy to units in a unitised fund. The units are linked to the underlying value of the fund. The value of the policy can therefore fluctuate depending on the value of the units. The pricing structure and type of fund depends on your insurance company. Many insurance companies now have unitised with-profits funds.
- Flexibility to choose your own level of protection and investment.
- Ability to vary the amount of your premium payments or coverage based on your own personal financial situation.
- Flexibility to choose the type of funds based on your risk aptitude.
Life Assurance Enquiry
Company address: Cyfri Cyfyngedig - 23 College Street, Lampeter, Ceredigion, SA48 7DY
T: 01570 423 823
F: 08709 223 296
Email: post@cyfri.co.uk
Registration address as company address
Registration number: 03925755
Registered in: Wales
For Investment Planning we make recommendations based upon the Whole of Market.
The levels, bases and reliefs of taxation are subject to change.
The guidance provided within this website is subject to the UK regulatory regime and is, therefore, primarily targeted at consumers based in the UK. This site does not confer any form of personalised financial advice, should you wish to receive specific financial advice please contact us.
Cyfri Cyfyngedig is an appointed representative of The M&E Network Ltd, which is authorised and regulated by the Financial Services Authority. The M&E Network Ltd is entered on the FSA register under reference 150643.