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Life Assurance

Home Family Financial Protection & Planning Life Assurance

This may be needed to clear a mortgage or other borrowing, to pay for the upkeep of children or dependents for their education, upbringing and to allow a spouse or partner to sustain a comfortable standard of living should you die prematurely.

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Whatever the objective, it is imperative to identify an appropriate level and period of cover.  The use of trusts is also key to effective planning and is often overlooked as the final stage.  Once cover has been put in place it should be regularly reviewed to ensure it continues to meet your needs, particularly if inflation protection has not been included

At Fiducia we can help you establish an appropriate and cost effective life assurance policy  / cover, including:

Level term assurance

Fix your premium payments and lump sum payout.

Mortgage protection

Protect your property assets for family security.

Whole of life Assurance

Provide financial security, considering your whole life situation.

Family income benefit

If you need life insurance with a regular income option.

We are what we repeatedly do. Excellence, therefore, is not an act but a habit
Aristotle

Further information about Protecting Your Family:

Family Financial Protection & Planning
‘Live like you will die tomorrow, but plan...
‘Live like you will die tomorrow, but plan like you will live forever.’ When it comes to protecting our family, most of us believe in our own immortality,...
Find Out More
Family Financial Protection & PlanningIncome Protection Cover
There are a fair few things in life which...
There are a fair few things in life which catch us off guard and derail our plans. Making plans for the unexpected is something we can do and is a core...
Find Out More
Family Financial Protection & PlanningCritical Illness Cover
More than one in three people will develop...
More than one in three people will develop some form of cancer during their lifetime*. Developments in medical science means more of us survive critical...
Find Out More
Family Financial Protection & PlanningPrivate Medical Insurance
Whilst we truly value the National Health...
Whilst we truly value the National Health Service, we also appreciate that its resources are coming under increasing pressure and may not be able to meet...
Find Out More
Family Financial Protection & PlanningBusiness Solutions
For those who are Directors or Partners in...
For those who are Directors or Partners in private sector businesses, there are added responsibilities as well as potential asset values to protect on...
Find Out More

We realise we are in extremely competent hands with Fiducia.

Firstly, thank you for all your efforts : it’s been quite a revelation….!! We realise we are in extremely competent hands with Fiducia. And secondly , to wish you are very Happy New year, and we look forward to working with you and Susie over the coming years.
Douglas London

Fiducia Wealth Management have a true gem with Susie as part of their team

My mother used Fiducia Wealth Management for her financial advice and was extremely satisfied with their service. Seeing first-hand what a sound company they were I was happy invest with them, and have to say am more than satisfied in having Susie Laws acting as my Financial Planner. She is extremely diligent in her work, incredibly efficient (I cannot stress that enough) and, well in short, an absolute delight to work with. Having someone who takes time to understand your needs, provide qualified advice which is genuinely in your best interests as well as always being on hand to answer any queries and to go the extra mile(s) to assist you is not that easy to find. Fiducia Wealth Management have a true gem with Susie as part of their team – it is a privilege to be their client.
Jo Purcell

Susie has demonstrated a firm understanding of my requirements and I am only too happy to endorse her service skills.

For the past year, Susie has been actively involved in converting my pension investments, currently held in a SSAS, into a SIPP. Throughout the whole process Susie has demonstrated a firm understanding of my requirements and I am only too happy to endorse her service skills.
John Mellanby Managing Director - Essex

My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this

Susie has guided me in terms of my pension and personal investments in a very professional way. My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this which has encouraged me to put further faith and business in her hands.
Mr Ashton

My thanks to you and the team for your help

You may recall that our affairs were so fragmented that I had to resort to A3 paper in order to be able to read the print out of my spreadsheet. I am pleased to say that I am now back to using A4 paper, so matters are becoming simpler and clearer. My thanks to you and the team for your help with this (and for saving a few more trees).
Fiducia Client

Fiducia are an unfailing helpful and knowledgeable group of people whose investment analysis and advice has helped grow my pension and savings portfolio over the many years I have been privileged to have them as my financial advisers.

Fiducia are an unfailing helpful and knowledgeable group of people whose investment analysis and advice has helped grow my pension and savings portfolio over the many years I have been privileged to have them as my financial advisers. Their careful analysis of my risk profile and their choice of funds for me have increased the value of my portfolio despite the global market upheavals of recent and less recent memory. I find their regular market surveys distributed to clients to have an impressive depth of knowledge. I have no hesitation in recommending their services to friends and family and will continue to do so.
Mr Brown Solicitor, Hadleigh in Suffolk
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ProtectionNews & Case Studies

Financial Planning for Singles vs Couples

Fiducia Wealth Management Posted in Financial Planning, Fiducia News (+9 more), on 12.04.24 Read Financial planning looks quite different whether you are managing money as a single person or as a couple. From income and...

How Inflation Impacts Your Savings & Investments

Fiducia Wealth Management Posted in Financial Planning, Financial Advice (+3 more), on 26.03.24 Read High inflation has become a growing concern for both consumers and investors in the UK. It has been a prominent subject in the...

5 reasons to have a Financial Adviser

Fiducia Wealth Management Posted in Financial Planning, Final Salary Pensions (+8 more), on 31.07.23 Read In today’s uncertain and volatile economy, succumbing to financial stress has become all too common. In such a scenario,...

***UPDATED*** After the UK Budget, should I pay into my pension again?

Susie Laws, Director & Chartered Financial Planner Posted in Financial Planning, Financial Advice (+6 more), on 22.03.23 Read “Following the budget, should I pay into a pension again? And what about if I have existing transitional LTA...

Economist Q&A – With Michael Hughes

Fiducia Wealth Management Posted in Financial Planning, Fiducia News (+10 more), on 30.09.22 Read Following the mini budget delivered by UK Chancellor Kwasi Kwarteng, financial markets have suffered a downturn in fortune....

Fiducia adviser appears on the BBC

Fiducia Wealth Management Posted in Financial Planning, Fiducia News (+4 more), on 13.10.22 Read Fiducia Co-Owner and Chartered Financial Adviser, Susie Laws, was live on BBC Scotlands ‘The Nine’ show yesterday...

How to make things easier for your loved ones in the future

Fiducia Posted in Financial Planning, Financial Advice (+5 more), on 27.05.22 Read Whilst we all go about our day-to-day business, there is an elephant in every single room we enter. We cannot always see it,...

Can I access Life Insurance after Covid-19?

Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+5 more), on 07.09.20 Read As many will know, the over 65s have experienced disproportionately high levels of mortality both directly and indirectly from...
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Gain further insight to all things financial

Watch the Fiducia YouTube channel for our Economic and Market updates.

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7 things you need to know before you use equity release

Fiducia Wealth Management Posted in Financial Planning,
on 08.04.25
Read
Your home may be one of the largest assets you own, and unlocking property wealth using equity release could significantly...

4 reasons to remain calm amid market volatility and uncertainty

Fiducia Wealth Management Posted in Fiducia News,
on 08.04.25
Read
Geopolitical tensions have led to a bumpy start to 2025 for investors. If you’re worried about volatility and what it might...

The AI technology that means you need to be vigilant for scams more than ever

Fiducia Wealth Management Posted in Fiducia News,
on 08.04.25
Read
AI technology is presenting lots of opportunities for businesses to improve efficiency, but it’s also being used by...

Why an effective financial plan might involve spending more

Fiducia Wealth Management Posted in Financial Planning,
on 08.04.25
Read
When people think about financial wellbeing, they often link it to frugality or building wealth. Yet, an effective financial...

How much do you need to be “wealthy”?

Fiducia Wealth Management Posted in Wealth Management,
on 08.04.25
Read
Wealth is often associated with financial abundance. However, when you look at the things that bring you joy and give you...

Financial protection: How it could help you bridge an income gap

Fiducia Wealth Management Posted in Financial Planning,
on 08.04.25
Read
You don’t know what’s around the corner, but that doesn’t mean you can’t prepare for it.

A financial shock could...

Latest News from Fiducia
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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provides first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk border and in Chelmsford, Essex. Fiducia Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. This site is for information only, and does not constitute financial advice.

© Fiducia Wealth Management, Dedham Hall Business Centre, Brook Street, Dedham, Colchester, Essex CO7 6AD. Also find us at Saxon House, 27 Duke Street, Chelmsford CM1 1HT and Kings House, 101-135 Kings Road, Brentwood, Essex CM14 4DR. No unauthorised reproduction is permitted without prior consent.

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