Insurance is a very cost effective way of securing a capital sum or an income for yourself and your dependents, especially when financial security is threatened by sudden critical events.

Importantly, insurance can be very useful in tax planning. It is a strategic tool often used in inheritance tax planning.

There are three main types of personal insurance cover:

• Term Assurance
• Whole of Life
• Unit Trust Linked Policies

RAY Alliance provides independent advice on the full range of personal insurance products including:

We also advise a range of businesses on the appropriate insurance package to cover their shareholders, partners and key employees.

A capital lump sum can be invested in many different ways. It is important to consider two main aspects before making any commitment:

• The appropriate investment vehicle
• The appropriate choice of underlying investment structure

The right choice depends upon a range of factors including your objectives, the sum of money you have available, your attitude to risk, your tax position and the time period over which you will be invested.

RAY Alliance provides independent advice on the full range of investment products for both individual and corporations such as managed funds, endowment savings programs, etc.

We also advise on a range of offshore collective investment schemes.

We provide financial advice to a number of businesses including sole proprietors, partnerships, non-limited companies and private limited companies of different sizes.

For each of these clients we provide the following services:

• Key Man Insurance
• Partner or Shareholder Insurance
• Group Life Assurance Schemes
• Group Medical Insurance Schemes
• Group Income Protection Schemes
• Investment of Surplus Funds
• Commercial Mortgages

General Insurance: