Life Advice Norfolk Brochure ISSUU 2024

Protection

for the people you care about

Who W e are

Life Advice Norfolk Limited was started 5 years ago to provide sensible advice for funeral plans and founded by award-winning financial adviser Chris Beecham.

We have now expanded the business to include Advice on a whole range of financial products Chris Beecham and another award-winning insurance professional Stella Metford-Sewell are now Joint Directors. Life Advice Norfolk Ltd. Is Now an Insurance Intermediary which is authorised and regulated by the Financial Conduct Authority. This enables us to pass on extensive knowledge from the industry jointly the combined experience totals 60 + years.

Life Advice Norfolk and (Life Advice UK a trading style of Life Advice Norfolk Limited).

What W e do

Here at Life Advice, we provide the opportunity for you to have impartial advice in relation to your financial needs. We carry out the research to understand the right solution for you following the completion of a fact find to ensure your priorities are met in the right way, to provide you with long term financial security for you and your loved ones.

Providing you with long term financial security for you and your loved ones

meet the directors

Stella Metford-Sewell

Well, where do I start?

40 years ago, I never thought I’d be here and telling you my why?

I married raised a family and had a great life, in 2014 I had a chat with a business friend, he said start your own company, ... I said no, never…

Here I am.

Believing in the future and what it may bring.

I have had children and loved it, watched them grow and take their chances in life.

Recently 2 of my children have had their trials tested, and it has reminded of my why.

It’s about strength, growth, belief, trust, and honesty.

I value this in Chris and my colleagues.

Being able to have a strong belief in my why has given me the ability to get on in life.

So here is the why, last year one of my daughters went to Italy with her partner and their family whilst they were away her partner had a stroke aged 39. Caused due to an injury to one of the arteries in his neck. Stuck in Italy with a four-month-old baby until nearly Christmas 2022 before she could get back to the UK. He did not have any critical illness in place.

Over the last year not only has my daughter had to continue to pay a mortgage on her house she has had to cut her maternity leave short and has saddled herself with another large loan to make ends meet for the family.

My youngest daughter has had diabetes type one from a young age and had various challenges with ulcers on her legs and feet, coupled with being in plaster on and off with a diabetic fracture.

Before Christmas this year she is facing the devastation of a half leg amputation. She has in place a policy that even though it was primarily bought for the event of an accident she now has qualified her illness element.

Her hospital stay will be covered whilst she says goodbye to her lower right leg and even though this will never compensate her for her lost limb, she will have a lump sum benefit paid. The benefit payment will just make life easier whilst she recovers and may even buy a lightweight wheelchair that will give her the ability to move herself around.

My point is when she is well enough, she can maintain her independence.

I firmly believe that everyone should have some cover.

We all insure our cars our home, even our mobile phone, we never consider what might happen to me. Even the smallest amount of cover can make a real difference should the time come.

Stella.

Following the death of his mother, Chris vowed that he would always be there to fight other peoples’ corners. Personal experiences can be a powerful motivator for some people and this is certainly true in Chris’ case.

Through his mother’s illness, Chris witnessed first-hand the battles that many people face in securing the financial support that they are entitled to in times of need and this changed his outlook on life, as well as his business.

“At the age of 35, my mother was diagnosed with cancer. The diagnosis was followed by 7 years of illness and I can remember well the trips to hospital and the feelings of helplessness that came with it.

After she passed away, my father claimed on the mortgage insurance they’d taken out to the sum of £10,000, only to be refused.

...you are guaranteed that your best interests will be placed at the heart of every discussion and plan

meet the directors

The insurance company, in an attempt to avoid payment, said my mother had been to the doctors beforehand and therefore knew about the cancer and had failed to disclose it.

In actual fact, my mother had visited the doctor for something totally unrelated, but the insurance pay-out never came, leaving my father and I in a very difficult financial position. We had no one to help us… no one to fight our corner… and that’s a feeling I’ll never forget.

And it’s a feeling that will NEVER happen to my clients. I’m absolutely driven to make sure everyone is protected by a Will and the right Life Policy, and I’ll do all I can to assist anyone needing help.”

Chris Beecham

Chris is more than a financial adviser; he is a well-respected, caring and knowledgeable individual who does not want anybody else to suffer in the way that he and his father did.

Therefore, when you consult with Chris, you are not just assured of a reliable service - you are guaranteed that your best interests will be placed at the heart of every discussion and plan.

Our Business puts you the client at the heart of everything we do, we will listen to your needs and we will give you a guiding hand through our advice process to find you the most suitable and cost effective solution.

Our goal is to stay with you and help you navigate those times with knowledge and trust

We are aware that life has its challenges, and we are all in need of help at times, this may be from the Government, your friends or yourself. Our goal is to stay with you and help you navigate those times with knowledge and trust. Helping you to build a secure financial future over time, making sure you, your family, your business and your future generations have some certainty ahead.

h e L p to bui L d your financia L future

W hat is financia L p L anning

Whether it is to cover your mortgage, inheritance tax planning, considering your children, protecting your work life balance and assisting you and your family to achieve their aspirations. As we navigate through life’s journey.

To help navigate through life’s journey

Whether it is an accident or an injury, a serious illness or suffering a traumatic illness or injury that could take time to recover from and may involve changes to the home, or even untimely or unexpected death of a loved one or even a business partner and key players in that business, all these things can have enormous and far reaching effects, having planning in place at a time when you didn’t know you needed it, is future proofing your world.

ho W financia L

p L anning can he L p you

…having planning in place at a time when you didn’t know you needed it

s pecia L ists

We have specialists in Life and Critical illness covers, all types, whole of life, income protection and private medical, general insurance and Business insurance across the UK, who will be happy to have an informal conversation about your needs, either over the phone, via google meet or in person. The choice is yours.

Our ServiceS

Life Insurance

Critical Illness Cover

Income Protection Cover

House insurance

Landlord Insurance

Small to Medium

Business Insurance

Key

STeP 1

Book a fact find meeting with us to get you started on your journey, enabling us to know you and you to know us, this is no cost no pressure.

STeP 2

Once we understand your vision for your future and have gathered the information we need to provide you with a financial solution, we will go away and analyse our existing plans and policies and put together your solutions for your future, taking in to account your current financial situation.

STeP 3

Once we have come up with our solution, we will have a further discussion with you to show you different scenarios and the impacts they may have on your life. When we have agreed with you the way forward, we will provide you with a solution portfolio. You will understand the benefits and why you need to do them.

a simp L e journey

STeP 4

So long as you’re happy, then we’re good to go! We’ll implement our recommendations and put your plan into action!

A lifetime of financial planning!

Rarely do things work out the way you expect them to. Creating a financial plan is a great start, but it is just that, a start! It’s important to regularly review your plan and your objectives to make sure that you’re still on track.

f uture proofing your finance

…we will be happy to have an informal conversation about your needs

Are you married?

Single?

Living with partner?

Do you have children?

Are you planning on having children?

Have they grown up and flown the nest?

Do you own your own business?

Are you employed or self-employed?

Are you a single parent?

Do you own your own home?

Are you saving to own your own home?

Do you rent? (Private or Housing Association)

Are you in good health?

Are you a smoker or a non-smoker?

Whats your priority?.....................................................................................

handy notes