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Protection Archive
Protecting your future Start 2006 on a secure foundation
Permanent Health Insurance (PHI) From April 2006 statutory sick pay increased to £70.05 per week, and statutory maternity pay, statutory paternity pay and statutory adoption pay increased to £108.85 per week. Read on  Rising life and health costs for over-weights
According to recent figures, a quarter of children are overweight before they have even started School. By age 11, this figure is one in three. Read on
Personal Debt
Parents of school aged children may not be surprised to read that personal debt in the UK grew by £1 million every five minutes during 2007 and we now owe more than £1,400 billion in the UK, based on all forms of borrowing.
Read on
Paying for careClaim what is rightfully yoursClaim attendance allowance: This is a non-means tested, non-taxable benefit paid weekly at the lower rate of £43.15 if you need care by day or night or at a higher rate of £64.50 if you need care by day and night. Read on 
Private care can speed recovery and get children back to school faster
Parents may sometimes wonder whether, if the NHS is said to be improving, it is worth thinking about private medical care. As if in (partial) response, a recent survey by Which? indicates that a third of hospital patients are unhappy with the food they receive. Worryingly one in five of staff serving the food also said they would not wish to eat it themselves. Read more
New Year protection overhaul
For any family, particularly those with children in the independent sector, New Year can be a time for thinking about long term financial plans. But it is also a good opportunity to ensure that your protection arrangements are fit for purpose Read more
Protection after divorce
One of the principal differences between grounds for divorce and those for the dissolution of a civil partnership is adultery. But there is, in practice, a far greater difference between the break-up of these two forms of relationship and this can affect the ability of families to continue meeting the cost of independent education if appropriate steps are not taken. Read more
Is your home at risk of flooding?
June’s floods in many parts of the country have brought into sharp contrast the availability of home insurance in the event of flood. Thousands of families are likely to experience difficulty in getting their claims settled, because insurance companies are inundated (no pun intended) with reports of damage; others may find cover withdrawn in future.
Read more
The cost of child careHow would you cope as a lone parent?When you consider that average earnings in the UK were £447 a week last year, child care can take a large proportion of income; especially when tax is taken into account. Even if there are two incomes, this is still a significant expense. Read on 
New Long-term care information Who will foot the bill?Long-term care is one of the less palatable realities of life. It can lead to high costs payable to a care home and, for many people, it has to be funded by themselves. Read on 
Inheritance tax Re-distributing wealthInheritance tax (IHT) was first introduced as capital transfer tax in 1975 by the then Labour government. It was intended both to raise money and to re-distribute wealth from the rich to the poor – it was even promoted as a Robin Hood tax. Read on 
Long term careWho pays what and how much do they payThe prospect of spending our final days in a home is not an appealing thought. But with one in three of us likely to end our lives this way. Read on 
Meeting the cost of long-term careJoint tenancyIf your partner needs to move into a care home, consider changing the ownership of your property from joint tenancy to tenants in common. Read on 
ProtectionDon’t be caught shortObtaining life insurance, critical illness cover or income protection is, for many, the least enjoyable aspect of financial planning. Perhaps it is because protection issues are so daunting that Britain remains such an underinsured nation. It is estimated that more than 18 million British adults have no life insurance. Read on 
RemortgagingDon’t run the risk of leaving your family in dire financial straitsIf you’ve remortgaged recently and not increased your life cover by the amount of any additional mortgage advance, you could run the risk of leaving your family in dire financial straits if you died prematurely. Read on |