If you die,  your income and future earnings may die with you.  At the bedrock of any financial plan is making sure that when someone dies with financially dependant people, there is enough capital and income for them to be as comfortably off as possible. 

Life Assurance is often thought to be payable as lump sums.  However, you can also arrange for a tax free yearly income to be paid to your loved ones.  And this can be arranged is a a way that is tax efficient - we look in particular at Inheritance Tax in this situation.

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