Protect Against The Unexpected...
Events such as death, sudden illness and injury can have a dramatic impact on your finances. Well-planned insurance policies can help families and businesses guarantee a secure financial future, even if the worst happens.
We cover various types of life cover and out life insurance policies can be taken out to provide a tax-free lump sum or annuity style benefit on death.
Critical illness cover pays a tax-free lump sum or annuity style benefit if you are diagnosed as having one of the illnesses specified in the policy. The cover can help with care costs, medical bills or even travelling abroad for treatment.
Income protection cover pays a tax-free monthly benefit when you have been deemed unable to work by a doctor.
Life insurance is one of the most straightforward and cost-effective ways to preserve the value of your estate and provide liquidity for your family and executors at a sensitive time.
Businesses are subject to many risks and we provide cover for key person insurance, shareholder insurance, relevant life insurance and self-employed insurance.
We understand divorce can be a complex, demanding and sensitive time, with both parties ultimately looking for a clean break to enable them to move forward.
Well-planned insurance policies are suitable if you own assets of considerable value, such as property or investments.
There are many issues to consider when separating from your partner. At John Lamb we understand divorce can be complex and demanding on a personal level.
June 2019: Insurance Premium Table
Our latest insurance premium table is now available for download here.
IHT on UK residential property – a brief update
We’ve been watching with interest to see the outcome of the discussion between HMRC and the collective of professional bodies who questioned HMRC’s interpretation of the 2015 legislation around changes to inheritance tax charges on UK residential property held through offshore structures.