Taxbriefs Life and Health Insurance 2012/13: The Adviser's Guide

Increasingly complicated, life and health insurance is a key area both in personal and business planning. This book provides a concise, comprehensive and easy to read practical reference guide for anyone involved in the process of advising clients on life, health and business insurance planning decisions.

Life and Health Insurance Planning: The Adviser's Guide has been comprehensively revised for 2012/13. Building on the authoritative text of previous editions, the new edition focuses on the practical strategies for understanding the protection market and advising clients in the core areas of family protection, health insurance, business protection and inheritance tax planning.

New emphasis has been placed on a logical path through the basics of life assurance, including underwriting and protection policies, the taxation of life assurance and a wholly revised chapter on trusts. The health insurance section includes a new introduction to this increasingly important market, outlining the challenges for an ageing population, plus revised chapters on income protection, critical illness cover, long-term care and private medical insurance.

The new family protection issues section has been created to cover the context of life assurance planning, including life and health insurance, plus identifying and quantifying needs and choosing appropriate policies. Inheritance tax planning has been given a section where the basics and IHT planning are given individual focus. The business protection section has been updated and amended, with more on director's share protection and includes a new case study chapter working through business protection needs using a sample set of business accounts.

Finally there is a new, slimmed down chapter on the regulatory aspects of life and health insurance. Setting life assurance planning in the context of longer life expectancy, greater long-term care needs and the changing advisory environment, the Life and health insurance planning 2012/13 covers the essential practical, legal and financial aspects of protection policies and their uses.