Life & Critical Illness Blog

The Best Critical Illness Policy In The World

Critical illness policies vary so much from provider to provider and across continents.  A standard critical illness policy in the UK can be very different from an American policy. 
The life insurance industry has always been one where products are offered and you pay a set premium for them depending on your age and state of [...]

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Yasmina Won The Apprentice Final 2009

Yasmina won and for once I correctly predicted this and wrote about it a few weeks ago.  Does this mean that I might have the kind of business gut feeling that Sir Alan is looking for?
She seemed the be the best candidate in my opinion and should do well.  It’s a shame in these programmes [...]

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The Difference Between Life Insurance & Critical Illness Insurance

There are a lot of people who think that if you have life insurance there isn’t much point in having critical illness insurance.  They also think that if you have critical illness insurance there’s no need for life insurance.  Both of these cases couldn’t be further from the truth.
There is only one reason why a [...]

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Should You Have Critical Illness Insurance If You Have A Mortgage?

It used to be the case that when you took out a mortgage the bank or building society would insist that you had life insurance in place.  Why not?  This is good advice for most people.  People know this because they often still think that life insurance is a legal requirement and it makes sense [...]

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The 10 Best Excuses ‘Why I Don’t Need Life And Critical Illness Cover’

Over my time as an adviser I have heard some fantastic excuses as to why people feel that they do not want or need life and critical illness cover.  I’ll share some of these excuses from the hall of fame with you.

‘If I die then my girlfriend will just have to move out and find [...]

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Critical Illness Is A Pointless Insurance

A recent article in Moneyweek said that anyone wishing to cut costs should cancel pointless insurance cover.   Payment Protection Insurance was listed as a pointless insurance policy along with critical illness cover. 
In relation to critical illness cover the author suggested that the policy sounds great but there are plenty of exclusions and cover can be expensive.  [...]

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