A life insurance policy is usually purchased with the intention of providing a financial safety net for your dependants should you die within the policy term. Your family can use the money to pay off debts, including mortgages, or as a regular income in order to maintain their current standard of living. There are different […]
Car insurance myths
If you are a driver then no doubt you have been exposed to a variety of myths surrounding the car insurance industry. These myths are often greatly misleading and can prevent you getting the very best deals. It is commonly thought that the cheapest car insurance is in fact the best choice, but this isn’t […]
Top life insurance myths
Life insurance is designed to offer a financial safety net to your dependants in the event of your death. However, it is a complex subject, and one prone to much discussion resulting in a number of myths arising about the product and its value. Many people assume that life insurance is an expensive luxury so […]
Is critical illness insurance necessary?
Critical illness insurance is designed to provide a financial safety net should you suffer a serious illness that results in you being unable to work. When it comes to deciding if this sort of policy is a good fit for your particular set of circumstances it is worthwhile spending a little time examining different types […]
How to choose the best disability insurance?
Shopping for disability insurance can be a daunting task, especially if the only experience you have had of this type of insurance in the past is via an employer. However, although finding a suitable disability insurance plan is more complicated than purchasing say, home or vehicle insurance, it can be done. Start by calculating how […]
What to do if your health insurance claim is denied
If you have undergone medical treatment and your insurer is refusing to pay out it can be a very worrying and stressful time. However, there are steps that you can take to reverse your insurer’s decision. First, start by checking your policy documents carefully and find out what is, and what isn’t covered. This document […]
How to choose health insurance
Figures released from the Association of British Insurers have revealed that in the UK alone over five million people have health insurance, and that £7.4m is paid out in claims every day. If you are taking out a health insurance policy for the first time it can be difficult to choose the right policy to […]
Do you need life insurance after retirement?
If you have recently retired, or you are about to, then you will probably be wondering what you need to do about an existing life insurance policy, or you may be asking yourself if you need to take out another policy if life insurance was part of your employee benefits package. Whether or not it […]
Do you need critical illness insurance?
Critical illness insurance provides a tax free lump sum should you contract one of the specific illnesses listed in the terms and conditions of the policy. You can spend this money as you wish; some people use it to pay off their mortgage or other debts, some use the money to make any necessary alterations […]
Ways to lower your car insurance premiums
There are a number of ways in which you can lower your car insurance premiums whilst maintaining adequate cover. The first, and perhaps most obvious, is to shop around for the best deal rather than accept the renewal quote offered to you by your current insurer. When shopping around for cheaper cover always make sure […]