Yevs & Co can assist you with any of the following:

Income Replacement

This pays a regular monthly amount to you during a period of illness and allows you to maintain your normal standard of living. Some policies will even pay out all the way through to retirement if you suffer from a more serious accident or illness. If you pay the premiums personally the benefits are tax-free.

Critical Illness Cover

Whilst a day or two off ill will have a small effect on your income, a long period of critical illness (heart attack, cancer, stroke) could have disastrous financial consequences for you and your family. Unlike traditional life insurance, which only pays out in the case of death, Critical Illness Cover (CIC) will pay out on the diagnosis of a range of serious illnesses. This is typically a lump sum, which could then be used for a period of convalescence or to make changes to your house. The cover is arranged by a small monthly premium and is often taken out at the same time as Permanent Health Insurance (PHI).

Life Cover

If you have life cover in your salaried job, you would probably be covered for 4 times your salary. To ensure financial security for your family you need to take out an individual cover. Yevs & Co can assist to pick the best policy for you based on your age and financial requirements. If you already have a policy, we can also check to ensure that it is still the most competitive. What's more if you have taken out a policy in the last five years, often we are able to arrange your costs especially if taken out through a bank or building society reduce.

Mortgages

Most people have problems trying to arrange a mortgage on the high street. Too often they are rejected when the underwriter realises they are not in standard employment or asks them to show accounts which they may not have or reflect their true earnings. At Yevs & Co, we are eager to prove that you can easily secure the same 'High Street' mortgages and it is simply a case of making use of our expertise and contacts that we have built up. Our full understanding of how and where to properly submit mortgage applications ensure success.

Pensions

Whilst, you may have already made arrangements for a private pension or, alternatively, you may have kept putting if off and meant to do it at some future point. Under IR35 pensions are one of the most beneficial tax breaks open to you. With our expertise in pensions we can assist you to minimise your income tax and NI contributions, thus for every £100 that is invested in your pension, you pay £46.20 and the taxman contributes up to £53.80.  Moreover the growth on your pension fund is tax-free.

ISA's

Up to £7000 per tax year can be invested in an Individual Saving Account (ISA), but as allowances cannot be carried forward, it is important to fully use your allowance every year. There are several different types of ISA's that you can invest in. Yevs & Co can assist on the right type for you.