Securing Your Future with
Tailored Insurance Solutions
What We Stand For
Vantage Health & Life was established to enhance the insurance buying experience, providing clients with exceptional service, an extensive range of products, and expert advice. Founded by a professional with over 20 years of experience in the Financial Services market, our team brings together over a century of combined expertise. At Vantage, we aim to demystify the often intimidating world of insurance, offering tailored solutions that evolve with you throughout your life’s journey.
Our team consists of dynamic and experienced advisors from diverse sectors of the financial services industry across the UK. Whether you’re exploring protection for your business or your family, or seeking specialised advice on private medical insurance and business strategies, our advisors are equipped to guide you. We understand the challenges and intricacies faced by today’s business leaders and are dedicated to providing bespoke protective strategies that meet your specific needs.
Our Mission
Safeguarding Families & Businesses Across The UK
At Vantage Health & Life, our mission is clear: to deliver tailored, tax-efficient financial strategies that not only safeguard but also enhance the lives of our clients, their families, and employees. We strive to build lasting relationships by listening to your concerns and aspirations, addressing everything from succession planning to employee rewards.
By focusing on valuable protection and strategic financial planning, we ensure that you, your partners, and your key personnel are supported at every step of your professional journey. Whether you’re securing the future of your business or planning for your personal financial security, our goal is to help you achieve peace of mind with comprehensive, customized solutions.
Our Achievements
Award Winning Cover
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Award Winners in 2012, 2013, 2014,2015, 2016.
Stuart Cranston
Founder
Stuart created Vantage with the intention of simplifying the complex world of insurance by making it more open and transparent. He has over 20 years experience in the Financial Services market place.
Our Team
Work With the Experts
Trusts & Inheritance Tax (IHT)
Inheritance Tax (IHT) is charged upon death and on certain gifts made during one's lifetime. Estates under £325,000 are exempt, and amounts over this threshold are taxed at 40%, or 36% with significant charitable donations.
Mitigating IHT can be done through gifting or trusts. While gifting might feel like the more straightforward option than trusts, it may not be the best option for your beneficiaries. For instance, if you want your children to access the funds only when they’re sufficiently mature enough to manage such resources, a trust gives you a level of control to set up conditions like that.
To sum up, Life Assurance policies within trusts cover IHT liabilities, bypass probate, and provide beneficiaries with immediate access to funds, easing support during challenging times.