Guide For Smokers
As medical research improves, the medical implications of smoking are becoming all the more obvious. Still, here at Four Leaf Cover, we understand that many people who smoke still want to be able to secure affordable life insurance.
What is a (LPA)?
A Lasting Power of Attorney (LPA) allows you to appoint someone you trust to make decisions on your behalf if you become unable to do so due to illness, injury, or mental incapacity.
The Risk Without an LPA
- Loss of Control Over Finances → Without an LPA the courts take control of your finances, and your family must apply to the Court of Protection (a costly and time-consuming process)
- Medical Decisions in the Hands of Strangers → Doctors and social services may decide your medical treatment, rather than your loved ones.
- Business & Financial Delays → If you’re a business owner, your business accounts could be frozen, affecting operations.
How an LPA Protects You
✅ Ensures someone you trust makes decisions on your behalf
✅ Avoids court delays and expensive legal fees
✅ Covers both health & financial decisions
✅ Keeps control in your family’s hands rather than the courts
How Much Does a Lasting Power of Attorney (LPA) Cost?
A Lasting Power of Attorney (LPA) ensures that someone you trust can make important decisions on your behalf if you become unable to do so. Without an LPA, your loved ones may have to go through a lengthy and costly legal process to gain control over your finances or healthcare decisions.
Financial LPA
£210
Additional £92 registration fee required
✔️ Covers banking, property, and investments if you lose capacity
✔️ Ensures your bills and financial responsibilities are taken care of
Health & Welfare LPA
£210
Additional £92 registration fee required
✔️ Covers medical treatment, care plans, and life-sustaining decisions
✔️ Ensures your wishes are respected even if you can’t express them
