Technical guides

These technical guides will give you a sense of the toolkit we use day-to-day. If you start digging through you'll quickly find that there's real complexity here. How exactly does that work? What will deliver the results you're after? How do these combine and inter-relate?

These are the questions our Financial Planners will work with you to answer, developing a totally bespoke solution just for you. It's really at the core of what we do. So don't worry if you find you end up with more questions than answers. We can help — let's talk!

Pensions

Investments

Collective Investment Account

The objective of a Collective Investment Account is to benefit from a portfolio of collective investments over medium to long term, at least 5 years. There is no set term to the arrangement. The portfolio of investment funds allows you to participate in a wider range of stocks. It also provides specialist investment expertise from experienced fund mangers who will usually specialise in their chosen field.

Harvey Curtis Technical Guides

Read the complete Collective Investment Account Technical Guide.

Capital Investment Bond

A Capital Investment Bond enables you to make a single investment into a wide range of funds administered by leading UK Life Assurance Companies and fund Managers. Funds are invested in many different areas, such as Equities, Gilts, Corporate Bonds and Commercial Property. As you will be one of many investors, the fund manager will have access to a wider range of stock than an individual, therefore spreading the risk.

Harvey Curtis Technical Guides

Read the complete Capital Investment Bond Technical Guide.

Assurance

The Flexible Whole of Life Plan

A Flexible Whole of Life Policy, as the name suggests, provides life cover for the remainder of your lifetime. Premiums purchase units in an investment fund and the cost of the life cover is then paid for by cancelling the appropriate number of units.

Harvey Curtis Technical Guides

Read the complete The Flexible Whole of Life Plan Technical Guide.

Family Income Benefit

A Family Income Benefit policy will provide a regular tax free income in the event of death during the policy term.  This income is designed to provide a fixed, regular sum to your family for a fixed term for example until the children complete their education.

Harvey Curtis Technical Guides

Read the complete Family Income Benefit Technical Guide.

Mortgage Protection Assurance

Mortgage Protection Assurance covers you for a set term and pays out a lump sum if you die during the policy term. The amount of cover decreases over the term of the policy and is usually designed to tie in with the outstanding amount on your repayment mortgage. As the life cover reduces, the monthly premium remains constant over the term of the policy.

Harvey Curtis Technical Guides

Read the complete Mortgage Protection Assurance Technical Guide.

Critical Illness Plan

A critical illness cover plan will provide a lump sum benefit if you are diagnosed with one of a specified list of illnesses such as heart attack or cancer, and survive a further 28 days. Full details of the conditions covered are shown in each provider’s Key Features documents, and can vary. If life assurance is included the sum assured will be payable only on the first of either death or diagnosis of one of the illnesses covered.

Harvey Curtis Technical Guides

Read the complete Critical Illness Plan Technical Guide.

Level Term Assurance

Term assurance will provide a tax free lump sum should the assured life die or suffer a critical illness (if the benefit was included) during the term of the policy. The term of the policy is determined at outset.

Harvey Curtis Technical Guides

Read the complete Level Term Assurance Technical Guide.

Guaranteed Whole of Life Plan

A Guaranteed Whole of Life Policy, as the name suggests, provides life cover for the remainder of your lifetime. Both the premiums and sum assured are fixed from outset.

Harvey Curtis Technical Guides

Read the complete Guaranteed Whole of Life Plan Technical Guide.

Income Protection (PHI)

An Income Protection policy will provide a regular tax free income should you suffer a long-term disability or illness that prevents you working. The cover will continue until you either return to work or reach the selected expiry age.

Harvey Curtis Technical Guides

Read the complete Income Protection (PHI) Technical Guide.

Pension advice