Jelf

The Jelf Group is one of the leading financial consultancies across the South of England and Wales. The Group’s private client team specialises in providing independent advice to individuals on a comprehensive range of products and services.

Life assurance is a way of providing your family with financial reassurance after your death. This can help relieve one element of stress during a difficult period. Typically you pay monthly premiums to a life assurance company and then in the event of your death they pay a lump sum to your estate or nominated beneficiary. This lump sum can be used to maintain the security of your family after your death, such as paying off your mortgage, loans credit cards etc and/or generate income so that you can meet future financial commitments.

The need for life assurance to provide a lump sum in the event of your death is very clear. However, have you considered what would happen if you suffered a serious illness or accident and survived, but could no longer work? Critical illness cover is designed to pay you a lump sum if you suffer a defined critical illness. This can be essential if you have a financial commitment such as a mortgage which you may struggle to pay if you became critically ill. There are a number of different types of critical illness plans available and Jelf Group would be happy to help assess your individual requirements.

Jelf Financial Planning act as an Independent Financial Adviser (IFA) for these policies, as defined by UK law and therefore are required to ask you to complete a fact find to ensure the appropriateness of any policy for you.