Pensions

Pensions have become a major talking point and for many is the most significant investment they will make. But whilst Pensions are simple in concept, they can be complex and disappointing in practice.

With legislation constantly changing, new products being introduced to the market and individual circumstances constantly changing and evolving, reviewing your pension annually is vital.

Have you reviewed your pension arrangements in the past 12 months?

Questions to ask yourself are:

  • Is my Pension Company charging me to much?
  • Where is my Pension Fund invested?
  • How well is it performing?
  • Are there better alternatives?
  • Have I kept track of all my pensions?

All Pension reviews are introduced to Premiere UK FS Ltd

Why take a Premiere UK FS Ltd Pension Review?

  • We provide a fast No Obligation and impartial review of your pension arrangements.
  • We will advise if the charges in your plan are still competitive.
  • We will analyse the historic returns and potential of your current Pension Funds.
  • We will analyse your Attitude to Risk and your objectives.
  • We will carry out product research and make recommendations.
  • We will provide ongoing advice relating to your chosen plan.
  • We can consolidate all your pensions into one pot.

Take the first step and contact us today

Investments

All Investment reviews are introduced to Premiere UK FS Ltd. As financial advisers Premiere UK FS Ltd can cut through the jargon associated with the investment choices you make.

Sounds simple, but investments are medium to long term objectives.

Premiere UK FS Ltd are able to provide you with a full range of investments including:

  • ISA’s
  • Unit Trusts
  • Bonds
  • Investment Trusts

Any investments you make involve 3 steps:

  1. We analyse your objectives and attitude to risk.
  2. We research a product that meets your requirements and make a recommendation.
  3. We provide ongoing advice and reviews relating to your chosen product.

We’ll help you determine an investment strategy appropriate for your needs using the investments best suited to your investment attitude and tax position.

Private Medical Insurance

With on-going concern about the NHS including Super Bugs, lack of availability of new drugs ever increasing waiting times, Private Medical Insurance has become a necessity rather than a luxury.

Many employees expect PMI as past of the standard benefit package and it is the most valued benefit after salary package according to the CBI.

With over 30 providers offering an increasing number of healthcare plans with constantly changing benefits, specialist, independent advice is often welcomed.

Premiere UK IS Ltd deal with all major PMI providers including BUPA, Axa PPP, PruHealth, Aviva and Simplyhealth to provide a comprehensive, impartial market analysis based on your particular requirements.

Why choose Premiere UK IS Ltd?

  • We are independent and impartial – here to help you the customer.
  • We have no hidden costs.
  • We will visit you at a time and venue to suit you.
  • We will provide you with an Annual market appraisal to ensure that your renewal terms remain competitive in the marketplace and coverage remains as required.
  • With the ups and downs of life, your requirements may change. We will ensure that renewal options offered will be based upon those requirements.
  • We provide you with a dedicated healthcare specialist to help you with your policy administration throughout the policy year, claims and renewal negotiations.

Wills

For most people, what happens to their property and family when they die is a matter of great importance.

An estimated 60% of people never get around to making a will. Without one you can’t be sure that your money and property will be passed on according to your wishes. More commonly, people die without having made a Will because they just never got round to it.

Here are some very good reasons to make a Will

  • To gain peace of mind.
  • You can put your affairs in order and leave clear instructions to provide for your spouse or civil partner and family to avoid disputes within the family.
  • You can make proper financial arrangements for your children if they are under 18 at the date of your death, as well as appointing a guardian to look after them.
  • To reduce or eliminate inheritance tax (IHT). Properly made wills can frequently save tens of thousands of pounds of IHT.
  • To make special provisions for children who may have health, matrimonial or financial problems, thereby ensuring that the wrong people do not get their hands on your money.

Why choose Premiere UK IS?

  • We are independent and impartial – here to help you the customer.
  • We have no hidden costs.
  • We will visit you at a time and venue to suit you.
  • A will through Premiere UK is a cost effective alternative to visiting a Solicitor.
  • All of our Wills are checked by our specialist Wills Solicitor.

Making a Will can alleviate financial worry for your family or dependants that you leave behind. Why wait? Call 0870 0424621

Professional Indemnity Insurance Solutions

Premiere UK IS provides a wide range of products directly to the customer. Our aim is to provide the right product at the right price.

Our dedicated staff can help you to find cover that matches both your requirements, and those of your regulator where applicable.

The markets in which we specialise are:

Mortgage Brokers, Accountants, Solicitors, IFAs, Architects, Estate Agents, Surveyors, Engineers, I.T. Industry

Although these are our specialist market sectors, we are able to obtain terms for virtually all businesses where professional Indemnity Insurance may be required.

Family Protection Insurance

A good question to ask yourself if you are thinking about buying life insurance is… does it cover me for a catastrophe that I cannot afford to fund from my own resources?

If you can comfortably fund the event from your own resources, or the event is not a catastrophe, then you probably don’t need it.

Depending on your specific situation, we will work with you to identify any genuine need you may have for family protection insurance.

If we identify a need then we’ll work out how big it is, and help you put insurance in place to cover the risk as specifically as possible. We’ll recommend the lowest cost provider that offers a suitable product and help you through the process to completion.

We use specialist sourcing software to help you find the best deal from all the major UK providers of Life Insurance and related products. We do not charge you a fee for our advice.

Your protection insurance needs depend very much on the specifics of your situation.

Depending on your situation, you have four main options to protect yourself, your partner and your dependents.

Term Assurance

Provides a lump sum on death within your chosen term. Can be used to provide a lump sum legacy for your partner and dependents or to pay off a mortgage debt.

Family Income Benefit

Will pay an income to your partner or dependents if you die within your chosen term. If you are a single mum you could use this to provide an income for your children until they are 18 for example.

Critical Illness Insurance

Will provide you with a lump sum for your chosen term if you get seriously ill. You could use this cover to pay for the costs associated with modifying your home for disabled use for example.

Permanent Health Insurance

If you get seriously ill and are unable to do your job, then this cover will pay you an income for as long as you are unable to work, until you die, or until you reach normal retirement age. The cover is permanent in the sense that it may pay out on more than one event during your chosen term.

Business and Keyman Protection

Business Protection Insurance is a way of protecting your business. Essentially there are five elements to Business Protection Insurance:-

  • Key person insurance – also known as keyman insurance
  • Director/shareholder protection
  • Partnership protection
  • Business loan protection
  • Sole trader protection

Business Protection Insurance provides an all important safety net for all types of businesses through the use of Life and Critical Illness coverage for key personnel, whether it be a Partner, shareholder or key employee. It is all too common for Businesses to view Business Protection Insurance as an optional extra. It would be a far safer way of trading to consider Business Protection Insurance as part of the business plan from the first day of trading. Businesses all over the UK cease trading for all sorts of reasons but many of which could be prevented had they had some form of Business Protection Insurance in place.

Business Protection Insurance

So why is Business Protection Insurance necessary?
It ensures that you, your co-workers and the business itself are insured for the unexpected. When Business Protection Insurance is in place and you experience the unexpected you can:-

  • Keep the business trading
  • You can replace key individuals
  • Protect corporate debt
  • Buy out a shareholder if they become
    critically ill or buy their share from their estate if they die.

For a free Business Protection review please contact us on 0870 0424 621

Bottom Background

Our Commitment To You – Our Customer

  • We will endeavour to explain the service that we provide. The true cost, benefits and consequences of any product or service you buy from us.
  • We will ask a number of questions that will enable us to fully understand your circumstances, needs and budget.
  • Your personal information will always be treated in the strictest confidence.
  • We will strive to make strong relationships with product and service providers to ensure they mirror our comment to you.
  • We aim to ensure that you are encouraged to purchase the right product or service to meet your short and longer term needs.
  • On occasions that we feel it is appropriate for us to charge a fee for our services we promise that it will be reasonable and justifiable.
  • We will always attempt to give you the best advice – even if it means losing the business to a competitor.
  • All of our staff will be professional and courteous to you – even if they are not directly involved in your business.
  • If you are unhappy with the service we provide we will take your complaint seriously and attempt to resolve the matter to your complete satisfaction.

Our Company

For all General Insurance business, Premiere UK IS Ltd are Directly Authorised and Regulated by the Financial Services Authority (FSA) and our permitted business is advising on and arranging general non investment insurance. You can check this by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. Our FSA registration number is 532939.

For all Pension and Investment business, Premiere UK IS Ltd introduce business to Premiere UK FS Ltd who are Independent Financial Advisers and are an appointed representative of Intrinsic Wealth Management Limited which is authorised and regulated by the Financial Services Authority. You can check this by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. The Intrinsic FSA registration number is 440703.
Premiere UK FS Ltd Registered Office: 34a Cambridge Road, Hastings, East Sussex, TN34 1DT; Company Registration Number: 7158463; Company registered in England & Wales

Premiere UK IS Ltd is an Insurance Advisory Company based in the South East of England covering East Sussex, Kent, Greater London and Essex.
We specialise in Private Medical Insurance, Protection Insurance (both personal and business) and Wills. All Pensions and Investments enquiries are passed to Premiere UK FS Ltd.
Premiere UK IS Ltd are regulated by the Financial Services Authority. Our FSA registration number is 532939.

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