Find the right protection

No matter where you are in the world, you need to make sure you have the right protection for you and your family. Although building up your pot of wealth is important, so is protecting it for unforeseen circumstances in the future. You last thing you want to be doing is putting your family at risk.

Frequently Asked Questions

While many people don’t agree with the principles of life insurance, this doesn’t change the fact that death could be just around the corner for any one of us. If you are single with no children then life insurance is not necessary, but if you have a family then there really aren’t any good reasons not to have life insurance. You insurance your car, house and phone so why would you not insure your family?
The main two types of life insurance are term assurance and whole of life. Term assurance is where you pay a fixed amount over the number of years you set out and at the end you receive nothing back. Whole of life is an investment where you pay an extra premium to cover you for life insurance as well. We would need to know your circumstances better firstly to know which would suit you best.
While this is a valid question and something may never happen to you until you are old and retired, what would happen if you fell ill early in your career and were unable to work? If insurance companies know you are ill, they can increase the premium cost or even refuse you as a client. Having the peace of mind that your family is protected can be a blessing in disguise if something were to happen.

Reviews
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Protection

What would your family do if something happened to you and you were the only breadwinner in the family? Would your family have money to survive? Would your children still be able to go to University? Could they afford to live in the house they are currently in?

Cover

The question we are often asked is how much insurance do you really need? We can help you understand what you need cover for and what you don’t need cover for. We have special formulas to work these figures out for you in no time. This could be to protect a mortgage or even school fees in case you die.

Term

Depending on what type of insurance you want will depend on how long you need it for. Generally speaking people have life insurance to cover their working life, but other factors can play a role too.

Invested a lump sum and transferred my pension with SJB Global last month. Happy so far and looking forward to seeing how the investments perform. I was really impressed with the process and explanation of complex terminology.

Barbera Louis

Having previously gotten cold feet after almost going through with the transferal of my UK private pension to a QROPS with another wealth management company who, for a number of (good) reasons I felt uneasy with, I decided to look independently for an alternative adviser and was fortunate to come across Sam Barber quite by chance. Thanks to his endless patience in answering all of my questions and his excellent support throughout the entire process (which seemed very daunting initially), I am now confident that my future pension is in the best hands. He has put my mind at rest over so many issues and my initial lack of trust in such financial institutions has fully dissipated since becoming his client. I have no hesitation in recommending Sam to anyone who is even just considering transferring a pension out of the UK. He will not talk you into anything that you are unsure about and no question is too stupid. He knows what he’s talking about, gives sound advice and is 100% reliable. There are without doubt many sharks out there – happily Sam is not one of them.

Alia Harrison

I transferred my pension 6 months ago after speaking with a number of advisers in relation to my enquiry. Having initially being overwhelmed with the ordeal, Sam made me feel at ease with the whole process. And on our first semi annual review I am very pleased with the performance and feel like I have made the right decision. I would recommend SJB global to any expat who is looking to transfer their pension.

Jade Bolton

I started the process of finding information out about how to transfer my UK pension overseas and got a bit lost with it all. After sending out a few inquiries, I decided to go with Jake as I found his advice and costs to be completely transparent. The other 2 advisers had recommended me a QROPS and Jake said I was best suited to transfer to a SIPP and sent me links to authoritative websites to back up his reasons. I would recommend Jake to anyone who is looking for transparent advice.

Salvador Iglesias

Invested a lump sum and transferred my pension with SJB Global last month. Happy so far and looking forward to seeing how the investments perform. I was really impressed with the process and explanation of complex terminology.

Barbera Louis

Having previously gotten cold feet after almost going through with the transferal of my UK private pension to a QROPS with another wealth management company who, for a number of (good) reasons I felt uneasy with, I decided to look independently for an alternative adviser and was fortunate to come across Sam Barber quite by chance. Thanks to his endless patience in answering all of my questions and his excellent support throughout the entire process (which seemed very daunting initially), I am now confident that my future pension is in the best hands. He has put my mind at rest over so many issues and my initial lack of trust in such financial institutions has fully dissipated since becoming his client. I have no hesitation in recommending Sam to anyone who is even just considering transferring a pension out of the UK. He will not talk you into anything that you are unsure about and no question is too stupid. He knows what he’s talking about, gives sound advice and is 100% reliable. There are without doubt many sharks out there – happily Sam is not one of them.

Alia Harrison

I transferred my pension 6 months ago after speaking with a number of advisers in relation to my enquiry. Having initially being overwhelmed with the ordeal, Sam made me feel at ease with the whole process. And on our first semi annual review I am very pleased with the performance and feel like I have made the right decision. I would recommend SJB global to any expat who is looking to transfer their pension.

Jade Bolton

I started the process of finding information out about how to transfer my UK pension overseas and got a bit lost with it all. After sending out a few inquiries, I decided to go with Jake as I found his advice and costs to be completely transparent. The other 2 advisers had recommended me a QROPS and Jake said I was best suited to transfer to a SIPP and sent me links to authoritative websites to back up his reasons. I would recommend Jake to anyone who is looking for transparent advice.

Salvador Iglesias

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Can anything help the UK pensions deficit?

October 18th, 2017|

Can anything help the UK pensions deficit? It seems to be going from bad to worse for the UK pension deficit. Across the 6,000 private sector defined benefit scheme pensions, 5,000 are now in deficit [...]