• Sabre Financial Planning Ltd
  • 3 South Place
  • The Promenade, Kingsbridge
  • Devon
  • TQ7 1JE
  • Tel: 01548 856444
  • Fax: 01548 856888

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"We think of Sabre Financial as our partner for all of our financial affairs and have no hesitation in recommending their services."

P Carpenter/ D Phillips

Directors, Paul Carpenter Associates

"Sabre Financial is a "partner" rather than adviser to our business. In contrast to many IFA's they are not sales motivated."

S Hext

Managing Partner, Luscombe Maye

"The team at Sabre Financial are like an extended part of our team. They have worked in partnership with us for the last 6 years."

J Philips

Finance Director, Paramount 21 Ltd

"The proactive approach of Sabre Financial has already put me in a much stronger position and with their help and advice I hope to build upon this foundation."

J White

Leicester and England Rugby 

"I have dealt with Sabre Financial for a number of years and always found them to be very professional, courteous and approachable."

J Cooke

Stokenham

"Sabre Financial has looked after my financial needs throughout my retirement. I have found their service to be first class, and their staff to be extremely friendly and very helpful."

P Moysey

Thurlestone

Your partner for life

Delivering your financial goals

Your team. Tailored to you

Free Consultation

(Worth £85)

Your initial consultation will be at our cost. We will invest our time in getting to know you. To arrange an initial consultation please leave your details here and one of our South Hams based team will get back to you.

Life Assurance Based Investments

Here your money is placed into Life Assurance funds. Traditionally used as regular premium plans in the form of endowments, to provide both investment and life cover for use in conjunction with interest only mortgages, they do offer benefits to certain investors.

Who do Life Assurance investments suit?

Most inexperienced investors prefer the simplicity of ISAs. But for investors with larger amounts than can be held in an ISA, higher rate taxpayers, and investors with a portfolio of different investments, these products can bring additional advantages.

For single premium investments, some products will allow higher rate taxpayers to make withdrawals from the fund now and defer your tax until a later date. For instance, when your income is no longer subject to higher rate tax.

How do they work?

When you pay into a fund with a life assurance company, this is used to buy a mixture of shares, cash and fixed interest products, such as gilts and bonds, to make your money grow. The funds you can select from typically include cash funds, property funds, fixed interest funds, managed funds, and with-profit funds.

What are the risks v returns?

Life assurance funds do give you access to the stock market, without the exposure to actually buying shares. These are regarded as long-term investments, aimed at people who want to build up their wealth steadily. 

What are the costs?

Getting advice is essential before investing into these products, as the charging structures can be complex.  Penalties may be charged for early surrender and fees may be higher at the beginning of some policies than others.

In addition, the tax situation will vary depending on the type of product, the term held for and whether you make a one off payment or contribute regularly.

Need more help?

Investing in a Life Assurance fund requires careful consideration, as it’s not right for everyone. To find out whether it would deliver benefits to you as an investor, contact us today.

Unit Trusts

Open Ended Investment Companies

Investment Trusts

Exchange Traded Funds (ETF)

Individual Saving Account (ISA)

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