Pensions and life insurance

Life insurance

We are genuinely independent for life insurance and we can place business either in the UK or with French companies.

You may have UK policies when you leave Britain, but will they pay out to you in France? Or, will they pay into the UK even if you are in France giving your estate two sets of probate to deal with? This can be time-consuming (two years is not uncommon) and may result in your money going to the wrong people.

It all depends on where, geographically, you are going to spend your retirement or how long you are staying in France.

Also, the only adequate solution to French inheritance rules is an insurance one.

It's essential to get the right advice and we can help.

Retirement

You may know roughly what you can expect from your pensions and you may have worked out what your cost of living might be when you retire. The question is: will you have enough money or are you heading for a shortfall?

If you are heading for a pension "gap", it needn't be too late to make up the difference provided you act promptly. Even if you are on track, you might consider doing a bit more so that you can enjoy an even better retirement.

If you're lucky enough to be in a company scheme or if you're employed in France you'll receive a pension scheme at retirement based on your length of service and salary level. However you're unlikely to retire on one half of your final salary unless you are one of the very few who has been employed by the same company and in the same pension scheme for forty years or more.

We have a variety of schemes both "offshore" and in France , to help you "top-up" your existing arrangements. Or if you are a wandering Brit, you could utilise an International Pension Plan.

For more information click here.