While I am comfortable with retirement planning without any paid advice, the cover for life is complex and subjective. As dfk41 posted, one should take the services of an IFA and possibly legal depending on individual circumstances for a variety of requirements.
I have been taking the services of an IFA during the last 10 years, and recently talking to a couple of others in the case tax and legal areas.
Although the corporate health cover can eventually roll
into a private cover, it will be very expensive at the time of retirement. That’s why, I think some thing to run in parallel with a higher excess is probably a cost-effective option, IMO.
Bupa, Exeter, Vitality are on top of my mind at the moment.
Thx every one with their thoughts! 😊