LIFESEARCH - THE UK'S LEADING LIFE INSURANCE BROKERABOUT USHOW WE HELPTYPES OF COVERCONTACT USADVICE AND GUIDESBUSINESS PROTECTION We find life cover to suit you, help you decide what's best and more. Since 1998, our advice has helped to insure over 1 million people. Let us do the hard work and search for the best insurers for you. Our advice is fee-free - so you just pay for your chosen policy. Exclusive

personal support &

LIFESEARCH | HEALTH WEALTH & HAPPINESS 2020/21 The LifeSearch HWH Index slumped to a rock bottom level of 71.6 in Q2 2020, a quarterly fall of 23%. This far outweighs the previous largest fall of 5% set in Q1 2018, when a bad flu season put downward pressure on the Health Index and a stock market slump caused volatility in the Wealth Index. More recently, in Q1 2021, the combined HWH Index LIFESEARCH | BUY NOW If you're unsure about any of the questions below, please call 0203 764 0292 Mon-Friday 8am-8pm, Saturday 9am-2pm or Sundays 10am-3:30pm. We're standing by. We’d ask that you please answer all questions as accurately as you can. Inconsistencies now could force cancellation of your policy, or lead to it not paying out. And no-one wants that.

Name.

LIFESEARCH | LIFESEARCH AWARDS 21 LifeSearch Awards 21. 12 Mar 2021. Wednesday’s LifeSearch Awards 2021, or #LifeSearchAwards21 to many that joined the conversation on social media, offered a bright neon reprieve for our industry. After 12 months of little to celebrate, we have so much to be proud of. Hundreds of friends and collaborators, partners and colleagues joined

the

LIFESEARCH | LET'S START TALKING The research was conducted between 24 April 2019 and 26 April 2019. The LifeSearch ‘Let’s Start Talking’ Report was released in March 2019 and polled 2,031 people between 17th and 21st February 2019. The data was weighted to be a national representative sample. Full report is available here. * There are 53,534,872 adults aged over

16 in

LIFESEARCH | DOES INCOME PROTECTION AFFECT STATE BENEFITS?SEE MORE ON

LIFESEARCH.COM

LIFESEARCH | IN PARTNERSHIP WITH HALIFAX Halifax have teamed up with advice specialists LifeSearch to offer you fee-free advice on Halifax protection products. Enter your details below and a LifeSearch Adviser will LIFESEARCH | CRITICAL ILLNESS COVER VS HEALTH INSURANCE As for differences between the products, critical illness tends to provide more of a ‘one-off’ response to future illness than income protection. Also, the two forms of cover tend to vary in what they class as an illness or injury. Critical illness policies usually

explicitly

LIFESEARCH | IS CRITICAL ILLNESS INSURANCE A TAXABLE BENEFIT? Given that the whole point of taking out Critical Illness Insurance in the first place is to give you what is likely to be much-needed financial protection if you were to be diagnosed with a serious illness, you probably want to be aware of the tax implications of these policies.. Benefits in kind are ‘perks’, which some employees receive separately from their salary/wages. LIFESEARCH | WHAT IS THE DIFFERENCE BETWEEN KEY PERSON Whereas Key Person Insurance is geared towards mitigating losses for a business, Relevant Life Cover protects against the death of an employee from relatives’ perspective by providing a tax-free cash lump sum to their family if they do pass away. Although it is typically the directors of a business who take out Relevant Life Cover

for the

LIFESEARCH - THE UK'S LEADING LIFE INSURANCE BROKERABOUT USHOW WE HELPTYPES OF COVERCONTACT USADVICE AND GUIDESBUSINESS PROTECTION We find life cover to suit you, help you decide what's best and more. Since 1998, our advice has helped to insure over 1 million people. Let us do the hard work and search for the best insurers for you. Our advice is fee-free - so you just pay for your chosen policy. Exclusive

personal support &

LIFESEARCH | HEALTH WEALTH & HAPPINESS 2020/21 The LifeSearch HWH Index slumped to a rock bottom level of 71.6 in Q2 2020, a quarterly fall of 23%. This far outweighs the previous largest fall of 5% set in Q1 2018, when a bad flu season put downward pressure on the Health Index and a stock market slump caused volatility in the Wealth Index. More recently, in Q1 2021, the combined HWH Index LIFESEARCH | BUY NOW If you're unsure about any of the questions below, please call 0203 764 0292 Mon-Friday 8am-8pm, Saturday 9am-2pm or Sundays 10am-3:30pm. We're standing by. We’d ask that you please answer all questions as accurately as you can. Inconsistencies now could force cancellation of your policy, or lead to it not paying out. And no-one wants that.

Name.

LIFESEARCH | LIFESEARCH AWARDS 21 LifeSearch Awards 21. 12 Mar 2021. Wednesday’s LifeSearch Awards 2021, or #LifeSearchAwards21 to many that joined the conversation on social media, offered a bright neon reprieve for our industry. After 12 months of little to celebrate, we have so much to be proud of. Hundreds of friends and collaborators, partners and colleagues joined

the

LIFESEARCH | LET'S START TALKING The research was conducted between 24 April 2019 and 26 April 2019. The LifeSearch ‘Let’s Start Talking’ Report was released in March 2019 and polled 2,031 people between 17th and 21st February 2019. The data was weighted to be a national representative sample. Full report is available here. * There are 53,534,872 adults aged over

16 in

LIFESEARCH | DOES INCOME PROTECTION AFFECT STATE BENEFITS?SEE MORE ON

LIFESEARCH.COM

LIFESEARCH | IN PARTNERSHIP WITH HALIFAX Halifax have teamed up with advice specialists LifeSearch to offer you fee-free advice on Halifax protection products. Enter your details below and a LifeSearch Adviser will LIFESEARCH | CRITICAL ILLNESS COVER VS HEALTH INSURANCE As for differences between the products, critical illness tends to provide more of a ‘one-off’ response to future illness than income protection. Also, the two forms of cover tend to vary in what they class as an illness or injury. Critical illness policies usually

explicitly

LIFESEARCH | IS CRITICAL ILLNESS INSURANCE A TAXABLE BENEFIT? Given that the whole point of taking out Critical Illness Insurance in the first place is to give you what is likely to be much-needed financial protection if you were to be diagnosed with a serious illness, you probably want to be aware of the tax implications of these policies.. Benefits in kind are ‘perks’, which some employees receive separately from their salary/wages. LIFESEARCH | WHAT IS THE DIFFERENCE BETWEEN KEY PERSON Whereas Key Person Insurance is geared towards mitigating losses for a business, Relevant Life Cover protects against the death of an employee from relatives’ perspective by providing a tax-free cash lump sum to their family if they do pass away. Although it is typically the directors of a business who take out Relevant Life Cover

for the

LIFESEARCH | HEALTH WEALTH AND HAPPINESS 2020 Snapshots of life in the chaos of Covid. This year’s report is our most wide-ranging, deep-diving and forensic analysis yet of the UK public’s experience across Health, Wealth and Happiness during the most complex, unsettling and anxiety-ridden period in modern time. LIFESEARCH | SEARCHING FOR ELEPHANTS There’s elephants in the room. Welcome to new LifeSearch podcast series Searching for Elephants. It’s fortnightly discussion and debate, interviews and insights, and real people’s real stories. It’s an honest look at the talking points inside and outside our business, our industry, our lives.

ABOUT LIFESEARCH

About LifeSearch. The UK's biggest and best life insurance broker, helping families since 1998. Protect the life you love. Free expert help to find your perfect cover. Get advice & quote Call 0800 316

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TRUST IN YOUR LIFE INSURANCE POLICY WITH LIFESEARCH There are many reasons why putting life insurance in trust is a good option.. 1 - Your beneficiaries can get faster access to your money – without a trust, when you die your beneficiaries might need to obtain probate, which can cause delays. With a trust in place, your loved ones could receive the inheritance within weeks of the death certificate being issued. LIFESEARCH | LET'S START TALKING The research was conducted between 24 April 2019 and 26 April 2019. The LifeSearch ‘Let’s Start Talking’ Report was released in March 2019 and polled 2,031 people between 17th and 21st February 2019. The data was weighted to be a national representative sample. Full report is available here. * There are 53,534,872 adults aged over

16 in

LIFESEARCH | DO YOU PAY TAX ON CRITICAL ILLNESS PAYOUTS? It may also be taxable if a person can make a claim on their critical illness policy, but fails to do so quickly enough to receive the payout whilst alive. This would mean that upon death, the money would go to their estate and become tax applicable, with the heirs needing to pay. Although the answer is broadly that no, you do not pay tax on LIFESEARCH | WHAT IS THE DIFFERENCE BETWEEN KEY PERSON Whereas Key Person Insurance is geared towards mitigating losses for a business, Relevant Life Cover protects against the death of an employee from relatives’ perspective by providing a tax-free cash lump sum to their family if they do pass away. Although it is typically the directors of a business who take out Relevant Life Cover

for the

REFER A FRIEND TO LIFESEARCH When you’re happy, we’re happy. Recommend us and we'll happily give your friend or family member a call to help with their cover. As a thanks to you both, if they take out a policy through LifeSearch we'll send you both a £75 Amazon voucher*. LIFESEARCH | TRUSTBUILDER POLICYHOLDER LifeSearch - The UK's Leading Life Insurance Provider. Before you use our trust builder, please ensure you have read through our FAQ’s about trusts and confirm that placing your plan into trust meets your needs. If you require any additional information, please get in touch with your adviser or our support team, and if you require advice about the legal or tax implications, or the LIFESEARCH | LIFESEARCH RESTRUCTURE BOARD LifeSearch has today announced a restructuring of its board to maintain the culture and values the business regards as its most valuable asset while continuing rapid growth at ever greater scale. Care, Excellence, Tolerance, Openness and Honesty drive the business and from today, the seven-strong LifeSearch board, which will continue

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