Caple Banks Ltd

Caple Banks have done a fantastic job helping me minimise my tax liabilities with a new pension plan, benefitting both me and my company.

- Dr P. Murray - Director CatScI Ltd.

Introductions to professionals must be considered very carefully, my past experience with Caple Banks gives me the confidence to do this, as I know clients will be provided with an excellent personal service

- Mr R. Mills FMAAT ATT (Fellow) – Accountant

Kevin has been our IFA for many years, his advice and recommendations are exemplified by excellent returns over the last three difficult investment years.

- Mr A. Webb – Retired Pilot

The personal service we have received from Jody has been really efficient and we can rest more easily now knowing that we are well covered in the event of an untimely illness or accident.

- Mr D. Berry – Associate Structural Engineer

The service I have received from Caple Banks has been so good that I have recommended them to a number of close friends and family, who in turn have been very happy with the service they’ve received.

-Mr T. Gunner – Owner, T&T Filtration Ltd

The service I have received from Caple Banks has been so good that I have recommended them to a number of close friends and family, who in turn have been very happy with the service they’ve received.

- Mr D. Osborne – Retired Helicopter Engineer.

Protecting Yourself and Your Family

Life Assurance

It’s never nice to have to think about it but you could lose your job, fall ill or worse. Fortunately for most of us the chances of dying before we reach our retirement is low, making life assurance relatively inexpensive. There is a much higher likelihood of you not being able to work for an extended period yet few of us protect ourselves or our family sufficiently against these events.

Some startling facts to consider –

• 5,800,000 people in the UK of working age (16-65) have a long-standing illness, disability or impairment which causes substantial difficulty with day-to-day activities. That’s about 1 in 4 of the working population. 1
• Each year over 300,000 people become unable to work due to health-related reasons. 2
• On average we have enough savings for just 29 days if our household income suddenly stops. 3
• It could cost over £31,500 a year to pay someone to replace a Mum’s domestic work and nearly £24,000 for a Dad. 4

The cost of providing cover against the worst that life can throw at us is relatively inexpensive. We can advise on a range of policies to suit your specific circumstances. Listed below are some common types of insurance policies and an explanation of what each is designed to cover:

Life Insurance Critical Illness Accident Sickness and Unemployment

Whole of Life Term Assurance Income Protection Insurance

1 Health at work – an independent review of sickness absence, November 2011, DWP
2 Health at work – an independent review of sickness absence, November 2011, DWP
3 Source: Legal & General Deadline to the breadline report 2014.
4 Source: Legal & General Value of a Parent 2013 Research