Insure yourself for as much as you can afford. Calculating the cover you need to settle your debts is relatively easy - assuming you know how much you owe, then that is the sum you should insure for.
The tricky part is calculating the amount of cover you need to ensure your loved ones are looked after once you have gone. We have tried to make the assessment much easier by preparing this step...
Once you have a family or assume responsibility for another person\'s welfare, you need to think about life assurance. This doesn\'t just apply to people in employment, but to everyone in the position of \'head of the family\'.
There are many different policies out there and you need to find one that suits all your requirements. So first you need to do the research. The first thing to...
You may be surprised, but according to independent broker Lifesearch, we are paying the lowest prices ever in real terms for life insurance as its costs have fallen by nearly 30 per cent in the last ten years.
You may be able to save even more on premiums if you switch your policy to another insurer. But it may not be so easy for everyone. If you are in the Armed Forces, which is a...
\'Whole of life\' policies are generally offered by most insurance companies. These policies guarantee to pay the sum assured on the death of the insured person, whenever that happens.
Premiums are more expensive for whole of life cover as the insurance is not limited to a certain amount of time, unlike term insurance. Additionally, when you reach a specified age say 70 or 80 you may not...
When a loved dies, especially in a tragic accident, you do not expect the pain of your loss to be made worse by your insurance company.
This is what happened to David Webb, who was left to raise his two year old daughter on his own, after his wife was killed when a suicidal motorist deliberately drove his car into theirs.
Mr and Mrs Webb, from Letchworth, Hertfordshire, and their daughter...
An animal-friendly insurance agency which has hitherto specialised in pet insurance products has extended its range to offer cheaper life insurance policies to vegetarians. Married couple Chris and Elaine Fairfax of Worthing, West Sussex, founded Animal Friends Insurance (AFI) to provide protection for our furry friends, but they now also offer non-meat-eaters a Vegetarian Term Life policy....
Private insurance is seen as a safety net if problems arise due to the risk of unemployment, debts, repossession and the possibility of illness. If someone has a 100,000 pound mortgage, an increase of ten to twelve pounds a month would provide cover for the insured for the interest per month paid on the mortgage, should they run into problems.
With personal debt now totaling over a trillion...
A worrying fact is that a quarter of children are classed as overweight before they are old enough to start school. That figure is one in three by the time they enter secondary school at the age of 11.
Obesity can be related to a range of health problems including diabetes, heart and liver disease and even cancer. In less than a decade since 1999 the number of doctors\' prescriptions for...
Critical Illness Cover (CIC) pays you the lump sum insured, which is tax-free, if you are diagnosed with a life-threatening illness which renders you incapable of working.
People are living longer with conditions which might have been a death sentence a decade ago, thanks to advances in medicine and treatment.
Insurers are finding that while life assurance claims are dropping, they are...
Repossession is a nasty word. For most people their home was expected to be their biggest asset - the most expensive item they\'d ever buy. It was searched for eagerly; they waited in trepidation whilst valuers worked out their sums and celebrated when the mortgage was approved. They stamped their own marque on the home and garden. With first time buyers it was often the home they brought their...
