New Year - New Savings
I cannot believe we have completed a whole first month of the new year.  Where does the time go?  If you have received this email, it is because you are an existing client or you have been a previous client of either SOS Insurance or Beneficial Insurance.
My aim this year, is to provide you with the best deals for your insurance and inform you of any new schemes we are currently providing.
As many of you are aware Beneficial Insurance saw a lot of changes throughout 2017.  The business was bought by myself, Jayne Smith and I finished working with SOS Insurance and my clients moved with me, over to Beneficial Insurance and came under the “umbrella” of the Jaynes Insurance Group.  The correct contact information is noted below:


Tel: 966 89 01 10 / 961 12 9215 
Mbl: 622 27 55 61

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

Free Prize Draw
How many of us expats love our UK TV?  We are now offering a Prize draw, to win a Spanish Amazon Fire Stick with a years subscription* to Amazon prime videos.  This also has IPTV, no need to miss any of your favourite programmes.  
******* PRIZE DRAW *******
For Every Policy taken out in February, March and April with Jaynes Insurance Group you will be entered in our prize draw.  First Prize Amazon Fire Stick WITH IPTV!!!
.  The closing date for the prize draw is 30th April 2018.  What are you waiting for……. Get referring!!
Email This email address is being protected from spambots. You need JavaScript enabled to view it. for more information quote ref FIRESTICK2018
Life Insurance - Most of you reading this Newsletter will be familiar with Car and Home insurance in Spain, but what about life insurance?  This is something which expats seem to overlook when living here.   I know we feel as though we could live forever, with this lovely climate, but life insurance is an important cover which shouldn´t be disregarded.  As well as helping to cover costs like inheritance taxes when you die, our policies also have an element of funeral coverage.  When someone passes away, the policy will pay out up to 10% of the death benefit, to help towards funeral costs, up to a maximum amount of 5,000€.  Therefore if you don’t already have a funeral insurance or a funeral plan in place, then at least you know you can get help with funeral expenses. The policy also covers repatriation.  This enables your body to be taken back to the UK, following your death.  Ordinarily repatriation costs, can be in the region of 10,000€!  The cost for a life insurance policy, is probably less than you realised!  Here are some examples below.

Funeral Plans -  Many of you will know we offer our funeral plans with Golden Leaves.  What some of you may not know, is that Golden Leaves now provide 5 year interest free plans. You can choose to pay in Euros or Stirling.  The monthly costs, start from as little as 46.00 pounds or 53 euros per month!  The beauty of our plans, are they are guaranteed to cover the cost of your funeral AND, they are dual certification, which means they also cover you in the UK.  If you decide to move permanently back home, you can take your plan back with you and nominate a funeral director in the UK, local to your home. 

Travel Insurance – We still provide one of the most competitive insurance policies available.  The policy is provided by Europesure who are underwritten by Lloyds.  Recently Europesure made some changes to the policy and now give the policyholder the choice to pay in Stirling as well as Euros, regardless of where you live.  Why not take advantage of the low exchange rate and ask for a price in Stirling!

Financial Advice / Planning
Many of you will already know Graham Dixon.  He is affliated to the Blacktower Financial Management Group.  Black Tower has been establlished for over 32 years and prides itself on providing independant and professional advice to their clients in Spain.  With all the different options available Blacktower Financial Management (Int) Ltd can help and advise you on the best solutions available to meet your specific needs.

If you would like to review your exiisting plans or would like advice on the following areas:
  • International Investments
  • Pension Transfers
  • QROPS/ International SIPPS & QNUPS
  • Retirement Solutions
  • Tax Planning
Contact Graham at Blacktower today to find out how to make your money work for life

email:  This email address is being protected from spambots. You need JavaScript enabled to view it.
Tel:  645 429 815
Blacktower Financial Management Ltd is authorised and regulated in the UK by the Financial Conduct Authority and is registered with both the DGS and CNMV. Blacktower Financial Management (Int) Ltd is licensed in Gibraltar by the Financial Services Commission (FSC) and is registered with both the DGS and CNMV in Spain.

Final Words
Thank you for taking the time out to read this newsletter, if you have any questions or require any assistance, please do not hesitate to contact me.  I always look forward to talking with my clients. 

Whatever your insurance requirements, here at Beneficial Insurance, we have it covered!  

February should bring us a month of chocolates and romance, if we haven´t had enough already over the festive Christmas period.....choclolates that is!

Kindest Regards


Jayne Smith



*Amount Prime subscription is currently 19.95 per year.  We will pay the cost of the subscription for the first year. (If the subscription cost increases above the 19.95 before this offer ends, any additional subscription fees will be the responsibility of the winner)

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