wills & protection

Will Writing

Making a will ensures that when you die, your estate is dealt with according to your wishes. With effective planning, a will can also make sure your loved ones are also provided for in a tax-efficient way.

Our solicitors can help you write a will to:

Make sure your money goes to the people you want it to go to
Minimise inheritance tax
Name trusted people as executors to sort out your affairs when you die
Appoint legal guardians for any children who are still minors
Reflect changes in your life circumstances, such as marriage or divorce, or the birth of children or grandchildren
Ensure gifts of personal items are left to the right people
Set up trusts and make gifts to charity

 

If you don’t make a will, the law will divide your estate according to what is known as the rules of intestacy. These rules are very rigid and may not reflect what you’d like to happen to your wealth, or what is most tax-efficient.

Our will writing service is easy to use and tailored to your needs.

 

Protection

Business protection is an insurance contract that helps protect a business from the financial effects of key people being diagnosed with a critical illness or dying. Business protection is available for partnerships (including limited liability partnerships), shareholders, sole traders and key employees.

Life Insurance is a type of insurance policy that can help minimise the financial impact that your death could have on your loved ones. If you die or if you’re diagnosed with a terminal illness with a life expectancy of less than 12 months, during the length of the policy, it could pay out a cash sum.

Income protection insures one of your most important assets, your income. This type of insurance is designed to pay you a benefit if you are unable to work for a period of time because of illness or injury.

 

 

Contact us:

T: 02921 111280
E: enquiries@ramsayandwhite.com

 

Head Office:

15 Neptune Court
Vanguard Way
Cardiff
CF24 5PJ

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Opening hours:

Monday to Friday   09:00 - 17:00
Saturday & Sunday       Closed

 

We are members of the

Ramsay & White Ltd. Number 814110 - is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421.

Your home may be repossessed if you do not keep up repayments on your mortgage. Ramsay & White Ltd is registered in England and Wales. Company number: 11127743. Registered office 15 Neptune Court, Vanguard Way, Cardiff, UK, CF24 5PJ.

A fee may apply for mortgage advice and, if applicable, you must ask your adviser for details before making any decision relating to a new mortgage as the actual amount will depend on your personal circumstances, but we estimate the typical fee to be £499.