Later Life Protection

25/09/2020

02/01/2019

Happy New Year to all my Facebook friends...I hope 2019 will be a good year for you all!!! I'm sure many resolutions have been set and I bet a fair few have included "getting my finances in order"??? One of the best ways to help your finances is to make sensible provisions in your Will. So to kick off the New Year Later Life Protection is offering reduced prices on all of its services. This is available to anyone that knows Karl (whether that's you personally, your family and friends, work colleagues, etc...let's just spread the word!!!) just mention that you saw it on Linkedin or Facebook and the revised prices will apply!!!

Mirror Wills...usually £149, now just £89

Single Wills...usually £99, now just £59

Property Trust Wills...usually £495, now just £295

Powers of Attorney*...usually £200, now just £99 each (*+£82 Court Fee)

Funeral Plans...Prices from £3195 including 5% discount on selected plans

Just contact Karl to arrange an appointment and start the New Year off by getting organised...It's essential and definitely worth it!!

19/05/2018

Later Life Protection would like to congratulate Harry & Meghan on their wedding day.....and to remind them that marriage revokes all former Wills and if they need new Wills writing, I’m waiting for a call!!!♥️

14/03/2017

Funeral Plan Prices Are Set To Increase Again!

We have recently learned that this time it's by £200 - that's a 6.3% increase. No bank account, ISA or savings plan is offering that rate of return. As such your money will not keep pace with such a high rate of price inflation... isn't it about time you put your affairs in order?

Talk to us about ways to save thousands of pounds and at the same time, relieve your loved ones of any difficult-to-make decisions and uncertainty at a particularly stressful time. Get your quote today. 💡

As a leading provider of asset protection services, we offer clients a wide range of services to ensure that their wealth is preserved and protected.

20/01/2017

This situation is so common and we regularly visit clients who have difficulty in deciding an equitable and fair split of their estate.

Please talk to us if you have any issues regarding your estate...and please don't be embarrassed or worried about your requests...we've seen it all!!!

www.laterlifeprotection.co.uk
01902 637602

I fit neatly into one of the categories the estate planning experts, Slater and Gordon, identified this week in their report to explain why parents are increasingly favouring some children over others in their will.

20/01/2017

Look at me....chuffed to be in my Highway to Hell t-shirt, a Christmas present from my wife! She knows I love AC/DC so much that I've even said I want Highway to Hell played at my funeral...just so all my friends can smile and "head-bang"!!!

I've planned my funeral...music, dresscode, instructions to celebrate my life and not mourn my death....why don't you plan yours?

Why not put your affairs in order, organise everything for your funeral and DON'T leave it to your loved ones at a very stressful time.....and don't forget, pre-paying for your funeral can save you and your family, thousands of pounds!

It's not a nice thought, but it is an inevitability....mines going to be a blast...and just think, every time you hear "Highway to Hell" you'll think of me!!!

www.laterlifeprotection.co.uk
01902 637602

16/01/2017

According to the Daily Mail this salad prevents dementia.....and obviously you'll never need to talk to us about Lasting Powers of Attorney!!!! Alternatively if there's no salad for lunch, give us a call and we'll be happy to discuss your requirements....01902 637602

Chicoric acid was found to prevent the formation of toxic clumps, the signature hallmark of Alzheimer's disease that are known as amyloid plaques, in the brain, Chinese researchers discovered.

13/01/2017

Great article, we all need to think about future events even if the thought of it isn't a pleasant one. Call Later Life Protection to discuss your families situation and to find a solution to such problems

My mother has recently moved out of her home where she lived with my father, which they jointly own, into a dementia care home permanently. Can my dad change his will about the family house?

03/11/2016

Interesting programme on ITV1 tonight (watch it on +1 at 8.30) "Funerals: a costly undertaking"

Said all the right things, how we should be planning ahead as none of us know when our time will be up, how difficult it is for loved ones to make sensible and practical decisions at such a horrendously emotional time, how costs are rising year upon year. Not sure I agree with DIY funerals however!!!

As good and informative as it was, it did have a few gaps and errors. They stated that an average funeral costs around £3600, that was last year. The recently published Sun Life Cost of Dying report 2016 says that the average cost has now increased to £3897. No mention at all of insuring against the cost or putting in place a proper pre-paid plan.

We should all be making some kind of plan, its the most inevitable cost, or expense, of our lives.

Don't leave it to others...it's going to happen...you plan it, you choose, it's your funeral.

Later Life Protection has a range of products to cover the cost of your funeral, talk to us and we'll advise on what's best for you, your circumstances and your family.

07/10/2016

It's been a busy week, talking to lots of clients about Asset Protection Trusts, sometimes also known as Family or Home Protection Trusts.

A great way of ring-fencing your assets that guarantees your children inherit what you've worked hard, all of your life, to build up.

I'm sure we've all either personally experienced, or heard stories from family and friends, about horrendous Probate fees and bills from solicitors...typically 3-5% of the estate value!!!...(a modest estate including a £150000 house and, say, £50000 of savings, would be potentially subject to a probate charge of between £6000-£10000)...this can be totally avoided by using one of our Trusts.

These Trusts also ensure that your family assets are protected from marital break-ups and bankruptcy; your children's partners cannot claim a share of your family assets if they divorce and any personal asset placed in the Trust cannot be seized or used by creditors to help pay business debts.....they aren't owned personally, they are wrapped up in the protective Trust wrapper, that you control.

The great news is that you and your fellow Trustees retain control of the asset, thus making access to, and use of, trust assets really simple.

Make sure nobody else gets their hands on the fruits of your life-long labours.....ensure it goes to your loved ones and nobody else!

Contact Later Life Protection for more information on savings thousands of pounds for you and your family.

04/10/2016

Mr & Mrs M from Dudley have just taken the sensible step of purchasing two funeral plans.

They understand that this will save them and their family thousands of pounds and lots of heartache and soul searching when either of them passes away.

Their desire is to not leave others to pay for their funeral and to have to guess their wishes for their funeral and service.

Prices for these plans are set to rise at the end of this year or the start of 2017. If it's pertinent to your situation, why not just ask us about your options.

Currently our plans start at £3155 and the average cost of a funeral is approximately £3700....we can get you a plan now for less than the current national average price!

Not only do you save your family thousands of pounds in the long run, you also leave a larger legacy for your children, rather they have it than a funeral director! The biggest advantage of taking out a pre-paid plan is that your spouse and, or, your children, don't have difficult decisions to make....you decide the readings, hymns, music now and take the stress out of what will already be a difficult enough time for your loved ones.

Call or email Later Life Protection for further information or a quote.

26/07/2016

Another concerned couple, this time in south Birmingham, decided upon a Protective Property Trust (PPT) yesterday.

G's father has been diagnosed with Vascular Dementia and whilst he is still able to rewrite his Will to include a PPT (and is going to once he and his wife are back from holiday) G was worried about her own future health issues and decided that she and her husband should look to protect their family and ensure the estate goes to their three children.

She wants her loved ones to receive what she and P have worked hard for and not the Local Authority. Just like most Local Authorities, Birmingham City Council are desperately short of money, and will look at every avenue to bring in extra funds to help with their diminishing budget. One of the easiest ways is to "means test" individuals and then use their assets, namely the family home, but also bank accounts, to pay for their care needs.

The PPT that G and P have now had written into their Wills means that their house cannot be sold to pay for their care costs.

If you are concerned about potentially losing your home or having what is rightfully your children's inheritance used to pay for any future care costs, please contact us at Later Life Protection to discuss your concerns.