For when you need it most, financial support until you’re feeling better. Because nothing is more important than your wellbeing.

Because not all permanent health insurance policies are created equally, we find one to suit your specific needs, tailored to your personal circumstance and professional role.

Not being able to work because of a long term illness can put unnecessary strain on anybody with financial commitments and what’s worse, some policies won’t always have you covered.

At Sheldon Flanders we can help you select a permanent health insurance plan that will replace your income indefinitely.

We will research every policy available from all providers, clarifying the cover provided and any exclusions there might be, ensuring you are financially covered until you’re able to return to work.

Handling your future with care.

Providing long term care for those who need it in later life can be expensive. With a proper plan however, costs can be managed without compromising the high level of care that is greatly deserved for you or a loved one.

There are many options for long term care, whether residential or at home but the average costs are rising and any government assistance is means tested and not always enough to help foot the bill.

Our priority is making sure your long term care costs or the care costs for a loved one are adequately covered without having to raise the funds from elsewhere. It’s about finding a solution that suits you best, whether that’s long term care insurance, enhanced annuities or equity release plans.

Whatever we recommend, we will always be honest and clear, making things as easy and simple for you as possible.

Leave a legacy all of their own.

Ensure your family and chosen beneficiaries receive everything they’re entitled to, after you’ve gone. We can help carefully structure your financial affairs to legally reduce costly inheritance tax.

Inheritance tax means the HMRC can take a considerable portion of your estate before it goes to your family, friends and chosen beneficiaries – 40% if the value is more than £325,000 – and with the rise in property prices, the likelihood of exceeding this threshold is greater.

At Sheldon Flanders we can advise on the best ways to legally minimise your tax liability.

Depending on your situation, we may recommend investments or trusts, lifetime savers or life assurance plans, carefully structuring your financial affairs enabling you to benefit from all the exemptions and reliefs to which you’re entitled. But whatever we recommend, we will always clearly explain the benefits and outcomes of the options available to you.