Capital Ideas page break IFAP logo Independent Financial Advice

Capital Ideas is a trading style of Financial Horizons Ltd which is authorised and regulated by the

Financial Conduct Authority, FCA reference No 587075.  Registered in England, company No 07714109.  Registered office 77 Woodcrest  Road Darlington DL3 8EE

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What we cover


There are lots of types of life assurance, and without advice you may find that the cover you get isn’t suitable for your needs, or there may be unexpected tax consequences.

By taking independent financial advice on your protection needs, you can be assured that you buy cover that meets your needs, is not excessive, and is the cheapest premium available that matches your needs.

You may be looking for a cheap life insurance quote – we can help.  Or you may be looking for life cover tailored to your individual needs – we can help.

Life assurance is intended to provide a lump sum or an income on death, or if you choose, after you’ve discovered that you have a serious critical illness.  But remember that the payout needs to be made when it is needed, to the right person, and at the right time.  

And what is the effect of tax?  Can you reduce the tax paid?  Can you avoid paying tax on the claim?

Taking professional and independent financial advice will help you to be sure you’re doing the right thing.

Contact us  to discuss your needs, or follow the links below for help in deciding what cover may be right for you:

The insurance puzzle

Replacing income in the event of long term illness

Give yourself a financial breathing space if you contract a critical illness

Provide an income for your family in case you die

Provide a lump sum for your family in case you die

Protect your mortgage

Of course, you can contact us, to get the advice you want on all these issues.