Q. I am a 45 year old Consultant with 21 years service in the NHS. I am a bit worried regarding the security of my long term girlfriend if I were to die. We dont intend to marry. How do I ensure any benefits a wife would normally receive are given to her? A. This is [...]
Life Assurance, Critical Illness Cover etc – Are You Paying For Policies You Don’t Need?
One of the common issues we find when we review a new client’s situation is that over the years they have been sold (or have purchased) many life, critical illness and income protection policies. Now, it’s important of course to state that such cover for, say, a couple with a family and a mortgage, is [...]
New NHS Benefits – It’s All Ended In Tiers
There have been many changes in overall pension rules by the government, and we have discussed in Financial Tips how this has affected the NHS Pension Scheme in previous articles such as the Lifetime Allowance. Other NHS rule changes might not be so obvious, but for the unfortunate few who fall ill, have a serious [...]



