Life Cover isn't enough. Why you also so need Lasting Power of Attorney

Life Cover Isn’t Enough. Why you Also Need a Lasting Power of Attorney


When assessing an individual’s likelihood of serious illness or death, insurance companies consider a range of factors including lifestyle choices (whether you are overweight or a smoker), occupation, your state of health and the nature of your pastimes or hobbies. If you are a smoker or very overweight they will consider you a greater risk and charge you more. If you engage in:


· White-Water rafting
· Climbing
· Hot air ballooning
· Skiing
· Scuba diving
· Rugby


Or any other activities which would be identified as high risk, it is statistically more likely you will die or be seriously injured and they will, again, charge you more. It is usual for most of us now to put life cover into place to protect our loved ones but how about a Lasting Power of Attorney (LPA)?


An LPA is the only mechanism whereby in the event of a loss of mental capacity those individuals you have identified can make decisions on your behalf – whether this is with regards to your health and care or your finances and property. This protects you as well as your family – how would your spouse or partner manage if all access to finance was cut off because the state was protecting you as the vulnerable individual?


Jack Straw, former Lord Chancellor and Secretary of State for Justice said, "We all know how important it is to plan for the future. Having a Lasting Power of Attorney in place should be as common and natural as making a Will”.

Don't risk your home and wealth any longer. Start protecting them today.

Your step-by-step guide is ready right now. Grab your copy today. Grab Your Copy Now


Without an LPA in place, should you be unable to make your own decisions, your spouse/children will have to go to the Court of Protection for permission to make even mundane decisions. This process is hugely costly (costing thousands of pounds), bureaucratic and many of those tied to it describe it as hugely frustrating and incredibly slow. The quick, easy, cost-effective solution, is to put your LPA into place TODAY.


Speak to one of our Consultants


As every situation is different. At The Will Associates we have fully trained consultants across the country, visiting clients in the comfort and privacy of their own home. Your local Consultant will take the time to fully understand your situation before making any recommendations as to how best to meet your needs.

With ourselves, you can be assured of a highly professional and personalised service from start to finish.


To gain a better understanding of your areas of vulnerability and what you can do to protect yourself and your loved ones, call us today to put your mind at rest on 0800 847 7050.