Exclusive LIFE UK Financial Health Check Service for only £49.99

What is this?

Life UK Financial understands that organising your finances sometimes needs a little help. We have designed and launched a bespoke service which enables with minimum effort and fuss for you to have a FULL financial review from our Key Partner Advisers. Not only this but we will organise and return to you all your documentation in our easy to reference policy folder and enclose a full financial health check and recommendation report from various specialist advisers.

How does it work?

1. Request the Financial Health Check Service through the website or via our customer service team.
2. LIFE UK Financial sends you the customer pack and letter explaining the few simple steps that you need to take.
3. Send back completed pack to LIFE UK Financial in the Special Delivery Envelope provided
4. We collate and organise your paperwork and if requested upload documentation to your digital filing cabinet and populate your financial profile. We then communicate organise our KPA’s to review and provide recommendations and advise on your arrangements.
5. We file and send back via special delivery to you your completed Folder with all your documentation filed for your reference and enclose your Financial Health Check report.
6. The Result : You are now completely organised and up to date and had a full financial review from our Key Partner Specialists outlining opportunities to save money or improve your current arrangements and identify any areas that require your immediate attention.
7. Estimated worth of this service is £200 - £600*.

Terms & Conditions apply:

Exclusive to Life UK Financial members,

Estimated worth based on Independent Financial Advisers charge of £200 per hour and any Accountants advice required.

Life UK Financial act in an administrative capacity only and do not provide any financial recommendations and advice. All reviews, recommendations and advice are provided by our panel of Key Partner Advisers.

I am excited to announce the Life UK £1,000 promotion which is open to all Life UK Business Associates and will run from today through to 30 August 2010. This gives you a full 3 ½ months to capitalise on the opportunity of earning up to an additional £1,000 bonus on top of your normal ‘Fast Start’ and ‘Leadership’ bonuses!

To earn a bonus you will need to achieve the following

· Register 5 new Associates with at least 1 quality Free member each before the end of the promotion and you will receive a £250 bonus.

· Register 10 new Associates with at least 1 quality Free member each before the end of the promotion and you will receive an additional £250 bonus for a total of £500.

· Register 15 new Associates with at least 1 quality Free member each before the end of the promotion and you will receive an additional £250 bonus for a total of £750.

· Register 20 new Associates with at least 1 quality Free member each before the end of the promotion and you will receive an additional £250 bonus for a total of £1,000.

Note. You will not have to wait till the end of the promotion to receive your bonuses! For example, if you are an Associate and you personally register 5 new Associates and help them register just 1 quality Free Member each in your first month, you will not only earn the £50 Fast Start bonus each time for a total of £250, but you will also receive the promotion bonus of £250 for a combined total of £500! This would be paid to you in your normal commission run in the following month.

Because of this new promotion, the ‘One Free Member’ promotion will be extended to the 30th of August 2010. Please also note that as always, any new Free Members registered must be genuine. Sub standard Free Members will not count!

Set yourself your goals, set up a daily, weekly and monthly action plan and consistently work that plan until you hit your goals. Get back to your sponsor and upline leaders to confirm your intention of earning these bonuses and ask how they can help you.

I wish you the very best success in capitalising on this exciting promotion!

We have received a huge amount of positive feedback following our first payment run yesterday with many Associates very excited about the ‘One Free Member Promotion’. And thanks to a large number of requests , I am very pleased to announce that we will be extending this promotion until the 30th August 2010!

Therefore if you register a new Associate and help them introduce just one quality* Free Member, this will release both the £50 ‘Fast Start’ bonus and if you are an Executive and above will also release the ‘Leadership’ bonus.

This promotion is a fantastic opportunity to greatly increase your income in the short-term and at the same time really get some momentum going in your team!

*(Signing-up Free Members that require advice or will use the service is key to building a successful team and a long-term business. When contacted by Life UK customer service team, any new Free Members unaware that they have joined Life UK or the great service we offer will be removed from the associate’s team)

We would like to thank you all for your support and positive feedback on the payment run we produced at the end of April. In order to build on the success of the first pay run we have decided to allocate the next associate pay run for the 28th May 2010 and also extend the current “one member” promotion until the 27th June 2010. This has been done to give all our associates a huge opportunity to build their business and earn exceptional levels of income and I hope that you will all take full advantage of this fantastic promotion.

We will now set our payment date to be run on the 28th of each month, if you have any enquiries or wish to discuss the promotion or pay runs in any further detail then please contact our customer service team on 0845 6809 746.

Our Key Partner Advisers offer a variety of travel insurance options to suit Life UK members needs with a wide range of premiums depending on the level of cover chosen. Options include single trip or annual multi trip travel insurance and can range from an annual worldwide policy including baggage, personal possessions and valuables to a single trip policy limited to travelling to a certain country and excluding baggage cover.
Request your FREE quotation today by calling our Customer Service Team on 0845 6809 746,
email: enquiries@lifeukfinancial.com or sending an advice request through the website.

Please find below a link to a recent article in the Daily Mail newspaper.

It makes interesting reading and is another great example of why the £ billion + financial market is absolutely crying out for a new and better approach. The vast majority of people will totally empathise with this article and therefore it highlights the incredible opportunity you have to quite literally corner the market in the coming years with the Life UK Free Membership!

The opportunity is now and it is completely up to you how big your share will be…a few Free Members or ten’s of thousands!!

http://www.dailymail.co.uk/news/article-1254737/Online-car-insurance-It-drove-round-bend.html

The Child Trust Fund (CTF) is one way to help you save for your children’s, or grandchildren’s future. We have listed below a summary of CTF’s work. For more information contact Life UK Financial who will put you in touch with a specialist Independent Financial Adviser.

So in brief:

• The CTF is a long term savings & investment account where the child (& no one else) can withdraw the money when they are 18
• There is no income tax on any gains or interest made in the account
• Free £250 voucher to start each child’s account
• A maximum of £1200 each year can be saved into the account
• Money cannot be withdrawn once it has been put it – until the child is 18
• The child can start to make decisions about how the money is managed when they are 16
• The government will make a further contribution when the child is 7
• You choose the type of CTF account you want for your child/children
• It will not affect any benefits or tax credits you currently receive

So, what could your child/children use the money for?

Well, what about it being used towards a deposit for a house purchase? Due to the economic crisis most lenders have tightened their criteria. The proportion of new mortgage deals requiring at least a 25% deposit has now risen to approximately 60%, while 25% of deals now require a 40% deposit.
There are only 20 or so mortgage deals available with a deposit of 5% or less, compared with more than 1,200 in the early part of 2008.

We don’t know what the economic climate will be like when your children are ready to make their first step on the housing ladder, but it’s likely that securing a competitive mortgage will require a deposit and in all honestly this will probably have to be a sizable one.

Recent research carried out by the Children’s Mutual showed that 29% of parents currently state that they are saving their Child Benefit. Using the Child Benefit (or a proportion of it) to add to your CTF is a good example of saving ‘little & often’ & this can give some real benefits for a child over a long term.

Interested? Get in touch with Life UK Financial.

Last week the Daily Mail ran an article on a report from Aviva (Norwich Union), which some of you may have seen. We thought that it would be worthwhile giving a little more detailed information on this:

FOR TODAY’S OVER 55’S

40% of 55 – 64 year olds are saving nothing per month
20% of 55 – 64 year olds still owe more than £75,000 on their mortgage

There is a growing disparity between the haves & have nots.
The report reveals that while many over 55’s have significant financial concerns, those approaching retirement have finances in worse shape than those age 65+.

Pre-retirees (55-64) have the lowest savings (£8,593), lowest incidences of home ownership (76%) and the largest average mortgages (£16,694)

THE HAVES & HAVE NOTS

The report shows a wide divergence between the richest & poorest in all age groups, but the gap is largest in the 55-64 range. While the average amount of savings for this group is slightly more than £57,000, the median which represents a more typical saver is only £8,593.
This is because a small number of wealthy people are disguising the relative poverty of a large minority.

RETIREMENT CONCERNS

The biggest worry for the over 55’s is the rising cost of living (74%) followed by unexpected expenses (45%) and the falling return on savings (38%). I think that this focus on increasing costs, falling income and unexpected bills highlights the precarious state of many people’s finances.

Those coming up to retirement are concerned about retirement (19%) and redundancy (12%) which would seem to highlight the fact that to many of us retirement is not the “golden age” it once was but more like a worrying time of financial and social change.

By 2011 there will be almost 18 million people in the UK who are over 55 – it is important that we recognise this and start to do something about it as soon as possible.

Why not start today by giving Life UK Financial a call and requesting assistance from one of our key partner advisers?

This blog was submitted by My IFA Limited

“The flexible & tax efficient way to invest”

An Individual Savings Account (ISA) can be one of the best places to invest because the benefits are currently free of income and capital gains tax.

“What if I am unsure about the risks associated with investing in stocks & shares & what if I want to change the way my money is invested in the future?”

With Life UK Financial & our Key Partner Advisers you can feel confident that you are making the right decisions. The Key Partner Advisers that work with us will help you to decide on the ideal way for you to invest your money.

“Different people want different things from their investment though.”

It is important for you to work with your financial adviser to establish what you want to achieve from your ISA and how you feel about taking risks with your money. Once these foundations are in place your adviser can help you find the right mix of investments for your circumstances. If you are attracted by the potential returns of stocks and shares but worried about losing money if markets fall there are protected profits funds which could be of interest to you. The way this type of fund is managed aims to restrict potential loss and reduce the impact of sudden stock market movements.
Change is part of our lives so you’ll probably be pleased to know that with the correct advice you aren’t making a once & for all decision about your investment. It is possible for you to change the way your money is invested if you decide you need a different mix of investment funds. It is also possible for you to top up your ISA or take money out – it is usually possible to do so – although there are some limits which your financial adviser can tell you about.

“Would I benefit from combining my ISA?”

If you have existing ISAs with one or more providers, bringing them together under one roof could help you to refresh any investments that are no longer meeting your needs & reduce the amount of paperwork you receive. Transferring your benefits between ISA managers doesn’t affect your annual ISA allowance either.
If you are over 50 the amount you can invest in a stocks & shares ISA increased from £7,200 to £10,200 on 6th October 2009. This is excellent news if you haven’t used your full allowance for the 2009/10 tax year. You have until 5th April 2010 to take advantage to invest – the sooner you invest the sooner you’ll be giving your money the opportunity to grow.

Contact us now to speak to one of our Key Partner Advisers and start those savings earning you even more money.

When is it the right time to do a Will?

Did you know that up to 60% of people never get around to making a Will?

And that without a Will you cannot be certain that your property or money will go to the people who matter most to you?

For the majority of people this is something which is thought of too late, they forget to do it, it’s not a necessity “I’m only young”, are just a very small handful of comments which we at Black & White Wills hear frequently. Every adult over the age of 18 should make a valid will. Many people have the notion that their estate will pass on to their surviving spouse or next of kin but this is not the case!

Fact: Most people only do a Will after a particular event occurs – an illness, accident or death of a family member or friend.

Fact: The estate of anyone who dies without a valid Will, the State effectively writes the Will for them.

So what are the main benefits of ensuring you have a valid written Will?

1. It ensures that your money and property goes to the people you actually want to receive it.

2. It avoids leaving your family with uncertainty, unnecessary expense and long legal delays.

3. If you have a child/ children under 18 years old you can choose who you would like to look after them. If you do not make a
Will this will be decided by the State. One of the major advantages of making a Will is that you can choose your child’s/children’s legal guardians. Would you not like to know that in the event of your death your child/children are being taken care of by people who will love & nurture them?

4. You can choose your executors - the people who will administer your estate when you have gone. If you fail to do this the executors for your estate will be appointed by the State.

5. You can make your own arrangements for your funeral; this can include both personal and financial aspects.

So is there any time to be wasted?

Give LifeUK Financial Services a call to make your appointment to speak to one of our Will Writers.

Remember “There’s no time like the present!”