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Protecting your home and family with the right insurance policies
Not everyone needs life insurance (also known as life cover and death cover).
But if your children, partner or other relatives depend on your income to cover the
mortgage or other living expenses, then the answer is yes – you probably do
want life insurance, since it will help provide for your family in the event of your
Shop around to get the best deal on life cover – find out where to get quotes and
read our key buying tips.
Whole-of-life policies payout a lump sum when you die, whenever that is. The
size of the payout depends on your policy. With some policies, you can stop
paying once you reach a certain age, but with others you have to make monthly
or annual payments right up until you die. If you set up your policy in a trust,
payment will ...
Getting the right life insurance policy means working out how much money you
need to protect your dependents. This sum must take into account their living
costs, as well as any outstanding debts, such as a mortgage. This guide will help
you understand the different types of policy available, how they work and the ...
If you've used up your ISA allowance and you're looking for other tax-efficient
savings and investment options, life insurance is something you should look into.
There are policy options that do more than just pay out when you die. You can
use them as tax-efficient places to store and grow your money. Life insurance as
Learn about how to protect your financial future and find out more about the
differences between life, critical illness and income protection insurance.
Indebted lives: the complexities of life in debt. Across the UK approximately 8.8
million people are over-indebted. These are individuals who have been at least
three months behind with their bills in the last six months or have said that they
feel their debts are a heavy burden. This large and diverse group represents 18%
Plenty of terms get thrown around in the world of protection insurance, but what
do they all mean? This glossary breaks down the meaning behind some of the
most used words in the insurance industry and makes sure you know what you
might be signing up to. Beneficiary. If you have life insurance and die
An annuity pays a regular retirement income – usually for life. If you decide to buy
a lifetime annuity with your pension pot, a key decision you'll need to make is
whether you want an income just for yourself or one that would continue to pay
out to someone else after you die. Single-life annuity; Joint-life annuity; Other
Ending your endowment or whole of life with-profits policy early. If your statement
shows your with-profits policy isn't worth what you expected – or you need to
access your cash before the term is up – you might be thinking of cashing in your
policy early or even selling it. Here are some things to consider when deciding
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