However, having a cash sum to pay off the mortgage or provide your family with an income is only half the story. You can also use life insurance for inheritance tax planning and pass on more to your loved ones.

Fehnert Financial Services Ltd can advise you how to protect you and your family against a range of circumstances - plans that will keep safe what's precious to you. So make sure you're protected and speak to us about the protection plans we recommend.

Some of our plans can be written in trust, which means you can make sure more of your money goes to your loved ones - not the taxman. Using a trust also makes sure the money goes to your beneficiaries more quickly.