Life & Critical Illness Blog

The American Attitude To Life Insurance

Life insurance in the UK is seen as a drag.  No one gets excited about it, few people really give it much thought and the general thought is that if it is worth having then get it done and move on.  There are still so many people in the UK who will quite happily spend [...]

Continue reading...

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 [...]

Continue reading...

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 [...]

Continue reading...

Do I Need Life Insurance?

This is a question a lot of people ask these days.  It used to be the case that anyone taking out a mortgage thought that they HAD to have life insurance.  In fact, lenders used to insist upon it and borrowers didn’t mind.  If it’s mandatory it’s got to be a good idea hasn’t it?
Buildings [...]

Continue reading...

Pet Insurance Before Life Insurance

Some reports say that for every life insurance policy taken out there are five pet insurance policies taken out.   
For a start the insurances are very different.  Life insurance only pays out when you die (unless you have built critical illness into the policy) whereas pet insurance takes care of all of the unexpected vet bills.  To [...]

Continue reading...