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Last updated: 2010, July 27

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Independent Financial Adviser | North Wales Independent Advice
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North Wales Independent Advice
Contact Us | North Wales Independent Advice
About Us | North Wales Independent Advice
Testimonials | North Wales Independent Advice
Terms and Conditions | North Wales Independent Advice
Privacy Policy | North Wales Independent Advice
Legal Disclaimer | North Wales Independent Advice
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Useful Links | North Wales Independent Advice
North Wales Independent Advice | Submit a Testimonial to NWIA
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insurance/ 96 pages
Life Insurance | North Wales Independent Advice
Income Protection Insurance | North Wales Independent Advice
Critical Illness Insurance | North Wales Independent Advice
Shareholder, Partnership and 'Key-Employee' Protection | North Wales Independent Advice
Home Insurance | North Wales Independent Advice
Redundancy and Unemployment Insurance | North Wales Independent Advice
North Wales Independent Advice | Geraldine's Story
Insurance Services | North Wales Independent Advice
Life Insurance - Frequently Asked Questions (FAQs) | North Wales Independent Advice
Contact us for specialist help with placing life insurance in trust | North Wales Independent Advice
Should my life insurance be in trust? | North Wales Independent Advice
Life Insurance Jargon Buster | North Wales Independent Advice
Income Protection Information | North Wales Independent Advice
Income Protection - What Is It? | North Wales Independent Advice
Employer Sick Pay & Ill-Health Early Retirement | North Wales Independent Advice
Critical Illness Insurance - Conditions Covered | 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
Types of Life Insurance | North Wales Independent Advice
Equalisation of Premiums Calculator | North Wales Independent Advice
Family Income Benefit | North Wales Independent Advice
Insurance - Total Cost of Premiums Calculator | North Wales Independent Advice
Inheritance Tax - what is the current Nil Rate band? | 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
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
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
Life 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
Endowment | 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
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
What is a Life Insurance Trust? | North Wales Independent Advice
         
documents/ 1 pages
http://www.nwia.co.uk/insurance/documents/widows_pension.pdf
    
investments/ 4 pages
Investments & Savings | North Wales Independent Advice
What happens if the bank I have my savings with goes bankrupt? | North Wales Independent Advice
Savings Advice | North Wales Independent Advice
Existing Investments | North Wales Independent Advice
    
mortgages/ 63 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
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
Retirement Planning | 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/ 2 pages
http://www.nwia.co.uk/pensions/documents/rpsm03109120flowchart.pdf
http://www.nwia.co.uk/pensions/documents/enhanced_annuity_form.pdf


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