Expats-online

Expats-online 

was founded in 2009 and has been

a leading provider of Expatriate Services including General Insurance and Financial Advice

to an increasing number of clients in Spain for the past 9 years . 


General Insurance.
Dennis Radford is regulated in Spain with the Dirección General de Seguros y Pensiones
(Reg No:L007Y189753M)  He is able to offer General Insurance products from

cover holders  at ‘Lloyds of London’ in Spain, Gibraltar and Portugal. 


Life Assurance

Simple life cover is often inexpensive. Your age, the number of years you want cover for and the amount of cover all affects the premium. However, as independent financial advisers we will review the market and recommend the most cost effective and also the most suitable cover for you. We will continue to monitor your life assurance requirements as part of our ongoing service. A regular review of your personal circumstances will be provided at a confidential meeting, so if your circumstances change, such as the arrival of another child, we will help with the reassessment of your life cover needs. The arrival of a windfall or inheritance or your children becoming financially independent might mean that your life cover needs are lower, allowing you to reduce the amount of cover required.

Life assurance is also a tool that may be used in inheritance tax planning across Europe, France, Spain and the UK for example. We have advisers who specialise in international inheritance tax planning and can assist you.


UK and Spanish Wills
Dennis Qualified as a Will Writer with the Society of Will Writers in 2007 and has been practising in the UK since then. He provides an in depth Will Writing and Inheritance advice service for your UK and Spanish estates.

Funeral Plans
Expats-online are able to provide pre-paid funeral plans via all the major companies. We will listen to your wishes and requirements to provide the most appropriate plan to meet
your needs.


Our aim is:

'To offer our clients a Product range and a level of service they would expect from a company in the UK.


If you wish to discuss your requirements for any of the above including reducing the amount of inheritance tax to be paid by your family please contact us.


Please take some time to browse our website and at the products and services we provide.

All are exclusive to expatriates and all are provided in English.


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 Good news for all of you out there who hold premium bonds!

Due to the equivalent interest rate increase recently announced by the Bank of England, NS&I has announced that there will be an increase in the size of the prize fund for the popular Premium Bond scheme. Though this isn’t a real terms interest rate change, it does mean that there will now be more funds available for bond holders to win.

The chances of winning with a single bond will be increased sizeably from 30,000 to 1 to 24,500 to 1.

See below a small table taken from Telegraph.co.uk to show the substantial change in prizes!


 
 
Prize
No. of 
prizes
November
2017
   No. of
 prizes December 2017
 £1m
 2
 2
 £100k
 3
 4
 £50k
 5
 9
 £25k
 12
 18
 £10k
 28
 42
 £5k
 57
 87
 £1k
1,366 
 1,660
 £500
 4,098
 4,980
 £100
 22,190
 22,792
 £50
 22,190
 22,792
 £25
 2325,993
 2853,919