Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

Request Appointment

Please complete this form to request an initial appointment at our cost.

Personal Insurances

Kirk Rice

Why use Kirk Rice for personal insurance?

Personal insurance is designed to help provide financial security for you and your family at important times in life.

The right cover aims to help you protect your income, repay debts such as a mortgage, or provide support following illness or death.

Kirk Rice provides independent personal insurance advice tailored to your circumstances. We can help you review options such as Income protection, Critical illness cover, and Life assurance. Our independent personal protection specialists offer clear guidance on arranging suitable protection for you and your dependants.

If you’d like to discuss personal insurance, contact info@kirkrice.co.uk

Why use Kirk Rice for personal insurance?

Times of need call for personal guidance and service. And this means focusing on yours and your family’s requirements for both now and in the future.

Our advisers will guide you towards making the right decisions for you and your dependents. This includes minimising tax liabilities (perhaps through using a trust) and making sure the right person is being paid at the right time. We are also on hand to help your dependents navigate the often-complex world of making a claim.

Kirk Rice is not tied to the products of a particular provider either. We act independently and, on your behalf, which means we can and will research any product in the marketplace. It also means we have inside out knowledge of the protection and insurance market. So, we are well-placed to find the insurer that matches your precise needs.

For example, those with existing medical conditions might still be able to get insurance – getting the right knowledge though is crucial in such instances.

Whatever you need, it is important to get advice to ensure the right protection is put in place to provide financial security for you and your family.

If you have any questions, please get in touch

Personal insurance isn’t just about finances

Making decisions about personal insurance is about much more than just finances. There are all sorts of considerations and consequences to the protection you have in place. This makes finding the right insurer crucial.

In the case of a serious illness diagnosis or a death, some insurers provide support to dependents before or after a claim. After a diagnosis some insurers also extend support services to you and your dependents. This can help a family adapt to life after a serious illness, or help children deal with the loss of a parent.

Certain insurers offer useful services as soon as you start your plan too. This may help you cope with a family crisis or health concerns even if you don’t eventually claim.

Book a free discovery call

Book a free initial call with one of our team to discuss your requirements.

Book a discovery call

What are the three main types of personal insurance products?

Income protection

An unexpected illness or injury might mean that you are unable to work for a period. Without any protection in place, this is likely to put huge financial strain on your household. At best, it could mean exhausting your savings – at worst, it could result in losing your home or your ability to provide for your children.

Income protection provides you with a monthly income in such an event. If you work part-time or look after the home all day, you can often still buy income protection cover.

Critical illness cover

Critical illness cover pays a cash sum following a diagnosis of one of the serious illnesses covered by the insurer. Today, over 90% of critical illness claims are for cancer, heart problems, stroke and multiple sclerosis (MS).

So, this cover can offer a financial lifeline in a time of crisis, or even the money to adapt your home to your new particular needs. It might also mean you do not need to draw money from your savings or go into debt.

Life assurance

Life assurance pays out either a cash sum or regular income following a person’s death. People commonly use life assurance to settle debts, replace their income or create wealth for dependants.

Life assurance cover can also be taken out to cover an expected inheritance tax liability. There are many things to consider, such as the way plans impact whether tax is paid on the death of the insured person.

Kirk Rice will guide you through the numerous options and plans available. We will research and recommend the most appropriate product and provider and assist with the application process.

Book a no-obligation retirement and pensions planning meeting

To start out we offer you a no cost, no-obligation meeting with one of our financial professionals. They will go through your protection needs with you – as everybody’s circumstances differ. This will enable us to talk to you more specifically about how we can help. Get in touch today at info@kirkrice.co.uk

Book a free discovery call

Frequently asked questions

Read our personal insurance FAQs.

What is personal insurance?

Personal insurance is designed to help provide financial security for you and your family. It may help protect your income, repay debts such as a mortgage, or provide support following illness or death. Professional advice should be sought based on your individual circumstances.

Why might personal insurance be important?

What is income protection?

What is critical illness cover?

What is life assurance?

Our Team

Meet our Financial Planners.

Michael started in retail management, before moving into a Financial Planning career. Before joining Kirk Rice, his experience spanned many years as a trusted advisor to business owners and private individuals in the insurance and banking industries. Michael is passionate about serving clients who are looking for truly independent advice that puts their interests first. Michael Powell Partner - Financial Planning North Hampshire
Lisa joined Kirk Rice Financial Services department in 2017; with 10 years of industry experience gained over numerous roles. Her background of paraplanning has led to a natural progression into the Financial Planner role. Outside of work she loves cooking, being at home, going to the gym and making memories spending quality time with her son, husband, family and friends. Lisa Smith Financial Planner Thames Valley

Both Lisa and Karen were very knowledgeable, friendly, and fun to work with. They managed our complex issues with good grace and put us at ease from the start. We always felt that we were in safe hands. I cannot rate them highly enough.

Kathy & Malcolm

Clients

    
 
 
       Posted on Google  
   
   Simon Papworth 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used Kirk Rice for nearly 20 years, for two businesses, numerous purchases of other businesses and two business sales, all our personal Tax and a tremendous amount of business and personal advice. My number one place to get advice from, and a trusted advisor.
  
 
      Posted on Google  
   
   stephen fox 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Jane Page
We had an extensive tax return including pensions sale of property abroad rental income and earnings
Jane explained very clearly and precisely the return and how it was calculated ..
We had plenty of time to get the information and Jane was always on hand to explain the next step
Thanks
Stephen
  
 
      Posted on Google  
   
   Paterson MB 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kirk Rice's accountants have been patient, thorough, and knowledgable in helping me with my tax return.
  
 
      Posted on Google  
   
   Guy 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been using Kirk Rice for over 20 years for my personal tax returns. The team provide me with a clear layout of items, so I fully understand how my tax bill is calculated, with all the relevant tax allowances included. If I have any queries on the figures (which is very rare), they are always keen to explain how the figures were calculated. I highly recommend Kirk Rice’s services …. Good to know I have fully verified records being sent to the HMRC.
  
 
      Posted on Google  
   
   Len Ve 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been a client of Kirk Rice LLP for almost 20 years and always appreciated their very professional, efficient and timely assistance  in all matters of personal taxation. Their advisers are very friendly and capable to discuss and explain rather complex issues in clear terms.
  
 
      Posted on Google  
   
   Nalini Patel 
 
 
 
 Trustindex verifies that the original source of the review is Google. The Kirk Rice team are very professional, we have used the Financial Advisory and Tax Advice teams and are very pleased with the service provided. They were also great at chasing us for information without being too pushy!
  
 
      Posted on Google  
   
   ian turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have dealt with Kirk Rice over the last 20 years with various companies that I have been involved with, I have always found them to be proactive and knowledgeable in all elements of taxation corporate and personal affairs.
  
 
      Posted on Google  
   
   Louise Bradford 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amanda has been dealing with my tax issues for the past few years, and has made the whole experience totally  stress free  with her efficiency, knowledge and can do attitude. They are simply a lovley company to deal with.
Bev T
  
 
      Posted on Google  
   
   Rob Ambler 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been using Kirk Rice for over ten years, to handle both personal (Amanda Giles) and corporate tax affairs (Sarah Goodwin). I have always found them friendly and efficient, and their advice has been excellent.
  
 
      Posted on Google  
   
   Matt Bishop 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been very well looked after by Amanda Giles and the rest of the Kirk Rice team for many years now. They always sort out my tax return efficiently, promptly, and courteously, and I would therefore have no hesitation whatsoever in recommending them.
  
 
  
  
 
 
      Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Contact Kirk Rice

Request Appointment

Personal Insurances

Why use Kirk Rice for personal insurance?

Why use Kirk Rice for personal insurance?

Blogs

Making Tax Digital

26/27 Tax Tips Download

If you have any questions, please get in touch

Personal insurance isn’t just about finances

Book a free discovery call

What are the three main types of personal insurance products?

Income protection

Critical illness cover

Life assurance

Book a no-obligation retirement and pensions planning meeting

Frequently asked questions

What is personal insurance?

Why might personal insurance be important?

What is income protection?

What is critical illness cover?

What is life assurance?

How can we help you? Enquire now using the form, or call us on the numbers below.

Thames Valley

North Hampshire

Central London

South West London

Our Team

Kathy & Malcolm