Summary
We recently helped a couple in Farnborough arrange a suitable life insurance policy to provide financial protection for their family.
The customers, a company director and a civil servant, wanted a joint life insurance policy with competitive premiums. They also wanted the policy placed into trust so that any future payout could be kept outside of their estate and passed to the intended beneficiaries more efficiently.
After reviewing the available options, we arranged cover with Vitality. The policy offered the level of protection they required while also complementing their active lifestyle through Vitality’s health and wellbeing benefits. We also helped arrange the online trust, giving the customers a straightforward protection solution aligned with their wider estate planning.
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Understanding the Client’s Unique Profile
Our customer, a director and civil servant duo aged 38 and 35, respectively, came to us with a clear vision of their needs. With a combined income exceeding £100,000 and a valuable residential property, they had worked hard to build a stable foundation. Their perfect credit history and asset-rich, liability-free status spoke volumes about their financial acumen. They led a healthy lifestyle, non-smokers with a minimal alcohol intake — factors that play a crucial role in determining insurance premiums.
The Challenge: Competitive Premiums and Estate Planning
Their need was precise: a joint life insurance policy that not only offered the protection they sought but also came with competitive premiums. Additionally, they wanted to ensure that the policy was placed in trust, keeping it outside of their estate for tax efficiency and ease of transfer.
The Solution: A Vitality Partnership
Vitality stood out as the ideal provider for our customers. Their active lifestyle complimented with Vitality’s incentives for healthy living, and the program’s benefits promised to encourage and reward their fitness pursuits. With the online trust setup, we streamlined the process, aligning their active engagement with a tangible financial product.
Achieving Results with a Personal Touch
The policy we secured through Vitality was precisely what our customers were looking for. They appreciated the ease of the process and the clarity with which we presented their options. Their feedback was unequivocally positive — they found our approach easy to deal with and would happily recommend our services.
Reflecting on a Successful Partnership
This case exemplifies how Kerr & Watson doesn’t just sell policies — we build relationships that foster trust and confidence. By understanding our customers’ unique situations and anticipating their needs, we were able to provide:
- A competitive premium for their life insurance policy.
- The convenience and future-proofing of an online trust setup.
- A policy that reflects their healthy, active lifestyle, offering more than just financial assurance.
The success of this case is a testament to our commitment to providing personalised, transparent, and effective financial solutions.
Looking to Secure Your Financial Future?
We at Kerr & Watson are dedicated to understanding your individual needs and delivering bespoke financial solutions. If you’re considering life insurance or want to ensure your current policy aligns with your lifestyle, we invite you to get in touch.
Your peace of mind could be just a conversation away.
