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5 Point Financial Planning
Phone numbers for 5 Point Financial Planning Ltd

Investment Linked

The value of investments can fall as well as rise. You may get back less than you invested.

Investment Linked Insurance

With term assurance policies, lower premiums make them an affordable way of helping to protect your family in the event of your death, within the policy term, but there is no guarantee of a payout. Some life insurance policies however, can be effectively used as an investment.

Whole life or endowment policies will provide the beneficiaries with a payout after a fixed period or a death. These payments can be a fixed amount, or in some cases linked to an insurance company's investment performance in the form of with profits policies or unit linked policies.

With profits policies may generate rewards from the valuation of the assets and liabilities of the insurer's life fund, but premiums will be much higher. Unit linked policies link the value of the policy to units in a unitised fund. The units are linked to the underlying value of the fund. The value of the policy can therefore fluctuate depending on the value of the units. The pricing structure and type of fund depends on your insurance company. Many insurance companies now have unitised with-profits funds.

  • Flexibility to choose your own level of protection and investment.
  • Ability to vary the amount of your premium payments or coverage based on your own personal financial situation.
  • Flexibility to choose the type of funds based on your risk aptitude.

Please be aware that this type of assurance is based on an assessment of the health of the applicant.


Life Assurance Enquiry
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Company address:
5 Point Financial Planning Ltd, Suite S4, Moulton Park Business Centre, Redhouse Road, Moulton Park, Northamptonshire, NN3 6AQ
T: 01604 497566
F: 01604 497567

Email: contact@5pointdirect.co.uk

Registration address as company address
Registration number: 4962087
Registered in: England

5 Point Financial Planning Ltd is an appointed representative of Intrinsic Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority. Intrinsic Mortgage Planning Limited is entered on the FCA register (http://www.FCA.gov.uk/register/) under reference 440718.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Telephone: 01604 497566 | contact@5pointdirect.co.uk

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