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Last updated: 2009, February 21

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insurance/ 94 pages
Life Insurance | North Wales Independent Advice
Should my life insurance be in trust? | North Wales Independent Advice
Insurance | North Wales Independent Advice
Life Insurance - Frequently Asked Questions (FAQs) | North Wales Independent Advice
Why put life insurance in trust? | North Wales Independent Advice
Life Insurance Jargon Buster | North Wales Independent Advice
North Wales Independent Advice
Income Protection Insurance | North Wales Independent Advice
Redundancy and Unemployment Insurance | North Wales Independent Advice
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Shareholder, Partnership and 'Key-Employee' Protection | North Wales Independent Advice
Inheritance Tax - what is the current Nil Rate band? | North Wales Independent Advice
Use our expertise | North Wales Independent Advice
Insurance - Total Cost of Premiums Calculator | North Wales Independent Advice
State Death Benefits | North Wales Independent Advice
Death In Service Cover | North Wales Independent Advice
Occupational Pension Scheme Survivor's Pension | North Wales Independent Advice
What can Life Insurance do for me? | North Wales Independent Advice for me?
Policy Setting-Up Options | North Wales Independent Advice
Types of Life Insurance | North Wales Independent Advice
Insurable Interest | North Wales Independent Advice
Avoiding 'non-disclosure' - Utmost Good Faith | North Wales Independent Advice
Medical Evidence | North Wales Independent Advice
Smoking or Non-smoking? | North Wales Independent Advice
Critical Illness Insurance - Conditions Covered | North Wales Independent Advice
Non-Standard Terms | North Wales Independent Advice
Declined Application | North Wales Independent Advice
What happens if my life insurance company goes bankrupt? | North Wales Independent Advice
What is a Trustee? | North Wales Independent Advice
Discretionary Trust Taxation - policy has a value on a 10th Anniversary | North Wales Independent Advice
ILife Insurance in an Interest in Possession Trust (Information) | North Wales Independent Advice
Life Insurance in a Discretionary Trust (Information) | North Wales Independent Advice
Whole Life Assurance | North Wales Independent Advice
Income Protection Information | North Wales Independent Advice
Endowment | North Wales Independent Advice
Critical Illness Insurance - Integrated or Stand Alone? | North Wales Independent Advice
Critical Illness Insurance - Total and Permanent Disablement | North Wales Independent Advice
Employer Sick Pay & Ill-Health Early Retirement | North Wales Independent Advice
Equalisation of Premiums Calculator | North Wales Independent Advice
Inheritance Tax - Transferable Nil-Rate Band | North Wales Independent Advice
Level Term Insurance | North Wales Independent Advice
Convertible Term Insurance | North Wales Independent Advice
Renewable Term Insurance | North Wales Independent Advice
Family Income Benefit | North Wales Independent Advice
Mortgage Protection (Decreasing Term Insurance) | North Wales Independent Advice
Guaranteed or Reviewable Premiums? | North Wales Independent Advice
Waiver of Premium | North Wales Independent Advice
Terminal Illness Benefit | North Wales Independent Advice
What is a Settlor? | North Wales Independent Advice
Appointing Additional Trustees | North Wales Independent Advice
What is a Beneficiary? | North Wales Independent Advice
Discretionary Trust Taxation - poor health on 10th anniversary | North Wales Independent Advice
Discretionary Trust 10th Anniversary Taxation - Example | North Wales Independent Advice
Interest in Possession, Power of Appointment Trust (IIP Trust) | North Wales Independent Advice
What is a Default Beneficiary? | North Wales Independent Advice
What is a Potential Beneficiary? | North Wales Independent Advice
Must the Trustees pay benefits to a Default Beneficiary? | North Wales Independent Advice
Changing Default Beneficiaries | North Wales Independent Advice
If a default beneficiary dies, is there any Inheritance Tax liability? (IIP Trust) | North Wales Independent Advice
'Spouse Exemption' Inheritance Tax Act 1984 (IIP Trust) | North Wales Independent Advice
Statement of Preference in Will | North Wales Independent Advice
Source of Premiums | North Wales Independent Advice
Tax Treatment of Premiums for a Policy in Trust | North Wales Independent Advice
Mortgage Life Cover in Trust (Discretionary Trust) | North Wales Independent Advice
Reservation of Policy Benefits | North Wales Independent Advice
Critical Illness Cover in Trust (IIP Trust) | North Wales Independent Advice
Can I use a 'Split Trust' to reserve critical illness benefits for myself? | North Wales Independent Advice
Single Parent Reserving Critical Illness Cover | North Wales Independent Advice
Discretionary Trust Taxation | North Wales Independent Advice
Must the Trustee pay benefits to a perticular Beneficiary? | North Wales Independent Advice
Critical Illness Cover in Trust (Discretionary Trust) | North Wales Independent Advice
Income Protection - 'The Devil is in the Detail' | North Wales Independent Advice
Income Protection Research | North Wales Independent Advice
Income Protection Definitions | North Wales Independent Advice
What's the Difference Between Income Protection and Critical Illness? | North Wales Independent Advice
Income Protection versus Mortgage Payment Protection Insurance | North Wales Independent Advice
Income Protection - How Long Will It Pay Me | North Wales Independent Advice
Income Protection - can I claim if I am only temporarily unable to work? | North Wales Independent Advice
Income Protection - can the benefits be index-linked? | North Wales Independent Advice
Income Protection - Providing You With a Tax Free Income | North Wales Independent Advice
Income Protection -Deferred Period | North Wales Independent Advice
Income Protection - Guaranteed or Reviewable Premiums? | North Wales Independent Advice
Income Protection - Occupational Changes | North Wales Independent Advice
Full Cost Traditional With Profits Endowment | North Wales Independent Advice
Low-Cost Traditional With Profits Endowment | North Wales Independent Advice
Unitised With Profits Endowment | North Wales Independent Advice
Unit-Linked Endowment | North Wales Independent Advice
Discretionary Trust Taxation - Exit Charge | North Wales Independent Advice
Potentially Exempt Transfer | North Wales Independent Advice
Domiciled in the United Kingdom | North Wales Independent Advice
Premium | North Wales Independent Advice
Existing Life Insurance - potential problem areas | North Wales Independent Advice
Discretionary Trust Taxation - Policy Claim in First 10 Years | North Wales Independent Advice
Policy Owner | North Wales Independent Advice
         
documents/ 1 pages
http://www.nwia.co.uk/insurance/documents/widows_pension.pdf
    
investments/ 4 pages
North Wales Independent Advice
What happens if the bank I have my savings with goes bankrupt? | North Wales Independent Advice
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mortgages/ 64 pages
Mortgages | North Wales Independent Advice
Home Purchase | North Wales Independent Advice
Remortgage | North Wales Independent Advice
Mortgage Calculator | North Wales Independent Advice
Home Purchase Information | North Wales Independent Advice
Remortgage Information | North Wales Independent Advice
Conveyancing | North Wales Independent Advice
Building Society | North Wales Independent Advice
100% Mortgages | North Wales Independent Advice
Early Repayment Charge | North Wales Independent Advice
Early repayment charge overhang | North Wales Independent Advice
Flexible Mortgages | North Wales Independent Advice
High Percentage Loan Insurance | North Wales Independent Advice
Home Information Pack HIPS | North Wales Independent Advice
Buildings Insurance | North Wales Independent Advice
Contents Insurance | North Wales Independent Advice
Standard Variable Rate | North Wales Independent Advice
Discounted Rate | North Wales Independent Advice
Fixed Rate | North Wales Independent Advice
Capped Rate | North Wales Independent Advice
Capped and Collared Rate | North Wales Independent Advice
Tracker Rate | North Wales Independent Advice
Libor Rate | North Wales Independent Advice
Cash Back | North Wales Independent Advice
Joint Tenancy or Tenants in Common | North Wales Independent Advice
Unmarried or not of United KIngdom Domicle | North Wales Independent Advice
Joint and Several Liability | North Wales Independent Advice
Mortgage Payment Protection Insurance (MPPI) | North Wales Independent Advice
Negative Equity | North Wales Independent Advice
Offset Mortgage | North Wales Independent Advice
Portability | North Wales Independent Advice
Capital and Interest | North Wales Independent Advice
Interest Only | North Wales Independent Advice
Repossession | North Wales Independent Advice
Stamp Duty Land Tax | North Wales Independent Advice
Basic Valuation | North Wales Independent Advice
Homebuyer's Report | North Wales Independent Advice
Full Structural Survey | North Wales Independent Advice
Remortgage Conveyancing | North Wales Independent Advice
Early Repayment Charge | North Wales Independent Advice
Early Repayment Charge Overhang | North Wales Independent Advice
Flexible Mortgages | North Wales Independent Advice
High Percentage Loan Insurance | North Wales Independent Advice
Buildings Insurance | North Wales Independent Advice
Contents Insurance| North Wales Independent Advice
Standard Variable Rate | North Wales Independent Advice
Discounted Rate| North Wales Independent Advice
Fixed Rate| North Wales Independent Advice
Capped Rate | North Wales Independent Advice
Capped and Collared Rate | North Wales Independent Advice
Tracker Rate | North Wales Independent Advice
Libor Rate | North Wales Independent Advice
Cash Back | North Wales Independent Advice
Mortgage Payment Protection Insurance | North Wales Independent Advice
Negative Equity | North Wales Independent Advice
Offset Mortgage | North Wales Independent Advice
Joint and Several Liability | North Wales Independent Advice
Unmarried or not of United KIngdom Domicle | North Wales Independent Advice
Portability | North Wales Independent Advice
Capital and Interest | North Wales Independent Advice
Interest Only | North Wales Independent Advice
Repossession | North Wales Independent Advice
Stamp Duty Land Tax | North Wales Independent Advice
Basic Valuation | North Wales Independent Advice
    
pensions/ 40 pages
Pensions | North Wales Independent Advice
pension-glossary
The Death of Final Salary Pensions? | North Wales Independent Advice
UK Pensions - a summary | North Wales Independent Advice
'A Day' 6 April 2006 Pension Changes | North Wales Independent Advice
Annuity Options | North Wales Independent Advice
State Pension Provision | North Wales Independent Advice
North Wales Independent Advice
Retiring in the next few years | North Wales Independent Advice
Retiring very soon | North Wales Independent Advice
The Beveridge Report - 1941 | North Wales Independent Advice
Turner Commission - 2004 | North Wales Independent Advice
Personal Pensions | North Wales Independent Advice
Stakeholder Pensions | North Wales Independent Advice
What happens if my employer or pension company goes bankrupt? | North Wales Independent Advice
Concurrency | North Wales INdependent Advice
Pensions - Triviality Rules | North Wales Independent Advice
Annual Allowance | North Wales Independent Advice
Lifetime Allowance | North Wales Independent Advice
Guaranteed Annuity Rates | North Wales Independent Advice
Traditional Annuity | North Wales Independent Advice
With Profit Annuity | North Wales Independent Advice
Unit-Linked Annuity | North Wales Independent Advice
Level or Indexed Annuity? | North Wales Independent Advice
Enhanced 'Ill-Health' Annuity| North Wales Independent Advice
Annuity continuing after your death? | North Wales Independent Advice
What happens if the company paying my annuity goes bankrupt? | North Wales Independent Advice
Pension Tax Relief and Pension Input Periods | North Wales Independent Advice
Occupational Pensions | North Wales Independent Advice
Annual Allowance Charge | North Wales Independent Advice
Pension Input Period | North Wales Independent Advice
Benefit Crystallisation Events (BCEs) | North Wales Independent Advice
Lifetime Allowance Excess Fund Charge | North Wales Independent Advice
Relevant UK Earnings | North Wales Independent Advice
Employer Pension Contributions - Wholly and Exclusively Test | North Wales Independent Advice
Changing a Pension Input Period | North Wales Independent Advice
Primary Protection | North Wales Independent Advice
Enhanced Protection | North Wales Independent Advice
Controlling Director | North Wales Independent Advice
Enhanced Protection - Relevant Benefit Accrual Test | North Wales Independent Advice
         
documents/ 1 pages
http://www.nwia.co.uk/pensions/documents/rpsm03109120flowchart.pdf


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David Jones is the principal of North Wales Independent Advice, an appointed representative of The M & E Network Ltd, which is authorised and regulated by The Financial Services Authority.
The M & E Network Ltd is entered on the FSA Register under reference 150643. North Wales Independent Advice, 5 Warrenwood Road, Wrexham. LL12 7RN