No one ever wants to think of a loved one passing away, least of all before they reach retirement. While it is something you hope never happens to you, it is important to ensure that if the worst were to happen, your loved ones and family are looked after.
The spouse of one of our clients passed away suddenly at a relatively young age, leaving behind them and their children who were still in full time education. They had paid off all of their debts, however for the family there was not only the loss of a loved one to deal with but also the financial impact of the losing the main income stream.
A widow’s pension covered some of their ongoing costs, however our client was not in a position to return to work full time at all. There was life cover in place which paid out a large lump sum and this made such a huge difference. It allowed them to delay their return to work, including a career change, gave them money to take their children away on a well-deserved break to build new positive memories, and gave them another very important benefit – financial breathing space.
The family had enough things to worry about – because of the life cover they put in place years before, money wasn’t one of them.
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Smith & Pinching have that special knack of employing very amiable people who are experts in their field and are a pleasure to deal with.
After being a very happy customer for more than 30 years, I cannot recommend them highly enough.
I am extremely grateful to Smith & Pinching for the wonderful service they provide.
They sorted out a mortgage for us on a complicated house purchase in a very efficient, friendly and calm way.
I have had several meetings with Hazel to discuss transferring my Defined Benefit into a SIPP.
She is extremely knowledgeable and was incredibly helpful and pro-active helping me make the right decision for me.
I would have no hesitation in recommending Hazel.