Not a subject any of us like to discuss but a great way to give you peace of mind, should the worst happen! It’s bad enough that you have to deal with the loss of a loved one but you don’t want the added stress of extra financial worries.
Life Assurance is also commonly referred to as life insurance, mortgage protection, term assurance, life cover, death cover, family cover, funeral cover or even a death policy!
Some people are of the opinion that it is only for people with families to protect, or mortgages to protect. In actual fact we have seen more and more single people taking out low level cover to ensure their parents or partner are left without any debt should the worst happen.
It is an easy and relatively inexpensive way to actually have something to leave behind in your estate to provide for your loved ones financially even after you are gone! Lets face it there are very few of us that have plenty of money tucked away to cope with the financial loss of a partner! Did you know that the benefit is currently paid tax free? That’s right under current legislation the government does not get a penny and it all goes to your family, loved one, named beneficiary.
The majority of us have life assurance in connection with mortgages but it is important that you review this on a regular basis. We will not be influenced by price alone! We check the financial strength of the company especially in the current economic climate. We will also look at their paid claims history, why pay the premiums if there is a chance the company will not pay the claim? You may be surprised to know that the providers customer service standard is also important to us!
At Aspects Financial we pride ourselves in our extensive knowledge of the markets and constantly strive to find the best cover at a competitive price.
Aspects Financial Ltd UK & Ireland
Our Team Of Independent Financial Advisers & Employee Benefits Consultants
Stephen Casey DipPFS, Certs CII (MP&ER), also an Independent Financial Adviser, heads up the team of whom he is very proud!
Stephen has over 30 years of Product Provider, Intermediary and Management experience within Financial Services. His areas of specialisation are Employee Benefits and professional financial advice at highest level to Company Directors/Partners in respect of personal and corporate financial needs.
He has been a member of the local financial services community for some considerable time and as such has built up strong connections within the legal, accountancy, and lending professions, to enable he and his team to offer a complete financial solution for clients
A strong family man with two children and five dogs, to ensure weekends are kept as full as possible, his interests include travel, technology, socialising, and pretending to be interested in DIY.
Lizzie has 20 years in the financial services industry, she joined the Aspects Financial team on the 1st April 2010 and is now Employee Benefit Manager. Lizzie brought with her a vast experience of knowledge on the administration of Group Pension Schemes (Group Final, Salary, Group Money Purchase and Group Personal Pension), Group Protection (Death in Service, Income Protection) as well as individual pensions and protection. Her wealth of knowledge, customer service focus and organisation skills allow her to deal with the administration and management of schemes of all sizes.
When Lizzie isn’t looking after the corporate schemes, she enjoys walking and throwing a tennis ball for her hyper Cocker Spaniel, Freddie, holidaying with her partner and spending time with her family.
Owen, DipPFS, Certs CII (MP&ER), is a fully qualified Independent Financial Adviser with over 25 years’ experience in Financial services. He has worked for many multinational insurance companies since 1991 and has been with Aspects Financial for nearly ten years. He is a fundamental part of the growing success of the business.
When not working, Owen likes to cook, enjoys skiing, running and holidaying with his partner.
Leanne is a new addition to the Aspects Financial family. Leanne’s career in financial services has spanned over 10 years working with large teams of Independent Financial Advisers in Northern Ireland. She has a wealth of experience and knowledge.
Leanne’s aim is to provide traditional adviser administrative support, whilst also assisting management with training on back-office systems, compliance support, and research for the our Investment Committee.
In her spare time she is a voluntary assistant at her local junior choir, and also attends circuit and spinning classes at the gym.
Sarah, our most recent recruit provides support to the sales team and spends the majority of her time on the telephone with clients progressing their enquiries. Much of her time is spent securing appointments for the corporate side of our team, setting up meetings to discuss employers workplace pensions needs.
Ian has worked in the financial services industry for over 13 years, providing independent financial advice for both personal and commercial clients. Whether planning for retirement, passing wealth onto family members or providing protection for your family/business, he can help you achieve your goals.
In his spare time he has 2 young children to keep him busy! Hobbies include football, running and squash. He also has commitments to youth football development through Abbey Villa Football Club.
Sharon is the latest addition to the Aspects team and brings with her a wealth of experience, wit and charm from a local stockbroking firm. In her spare time she enjoys as much of the great outdoors as she can with her boys, with coasteering being a current passion, much to our horror.
Our most recent recruit, Heather will be joining the Aspects Financial Team as our new Employee Benefits Assistant, she will be working with the Employee Benefits Team helping with the day to day administration for our corporate client’s solutions.
Heather also works alongside Newtownards Chamber helping with administration and the organisation of events in the local area. In her spare time Heathers two boys keep her on her toes, she also enjoys motorsport and bush crafting.
Services For Individuals
Services For Businesses
We appreciate that you and your business have wide varying needs, not just within our areas of financial planning, so we are delighted to introduce our chosen business partners who we highly recommend in the areas of commercial insurance, commercial finance, and all matters legal.
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