Life Insurance
Find the Right Protection for You and Your Family
Wherever you are in the world, having the right life insurance is essential to protect your family and financial future. While growing your wealth is important, safeguarding it against unforeseen events is equally critical. Our experts can help you choose the coverage that fits your needs and provides peace of mind for you and your loved ones.
Common Questions About Life Insurance
Choosing the right life insurance can feel overwhelming, but understanding your options is key to protecting your family and financial future. Below are answers to some frequently asked questions to help guide your decision. Click each question to reveal more.
Is life insurance worth the money?
Life insurance may not be necessary if you’re single with no dependents, but for those with a family, it’s an essential safeguard. While some may question its value, the reality is that unforeseen events can happen at any time. Just as you insure your car, home, or phone, insuring your family provides critical financial protection.
What type of life insurance is right for me?
There are two main types of coverage: term insurance (fixed-term cover) and whole-of-life assurance (covers your entire life). Term insurance tends to have lower premiums but is limited to a set period, while whole-of-life assurance guarantees a payout and usually costs more. Your individual circumstances will determine which option suits you best.
Why should I plan for something which may never happen?
While it’s true that unforeseen events may never occur, the consequences can be severe if they do. Illness or premature death can disrupt your family’s financial security. Planning ahead ensures peace of mind and protects your loved ones, even if the worst-case scenario never arises.
Understanding Life Insurance
Protection
What would your family do if something happened to you, the main breadwinner? Ensure they have the financial support to maintain their lifestyle, cover living costs, and continue their education.
Cover
How much insurance do you really need? We help identify what needs protection, from mortgages to school fees, using proven formulas to calculate the right coverage.
Term
Choose the right duration of coverage based on your needs. Life insurance usually covers your working life, but we tailor the term to suit your circumstances.
Protect Your Family Today
Ensure your loved ones are financially secure no matter what the future holds. Our experts can help you choose the right coverage, determine the amount you need, and build a plan tailored to your circumstances. Fill out the form below to get personalised guidance and take the first step toward peace of mind.
What does the obligation free call include?
An initial 15-minute introduction call explaining our services and how we can help.
We go through a fact-finding exercise so we can then provide a full financial planning report including a personalised retirement forecast with future projections and work out how on track you are.
Lastly, we will provide a recommendation on any areas where we feel you could improve.
Who is SJB Global and meet your adviser
Our regulations, Independence and Fees
Our process from start to finish
Area we help with including:
UK Pension Advice
Retirement Planning
Investment Planning
Tax Planning
US Expat Services
International Estate Planning
Note: Minimum managed assets for SJB Global is £100,000 or currency equivalent.
Licensing & Regulations
Nexus Global specialises in providing a regulatory platform and compliance support to international financial advisers and intermediaries to enable them to meet regulatory requirements to provide their clients with a professional service. The financial advisers trading under SJB Global are members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI). All approved members of Nexus Global are appointed representatives of BFMI. BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) and bound by the rules under licence number 3647: http://www.fsc.gi/regulated-entity/blacktower-financial-management-international-limited-3647.