Please never buy life insurance from your own bank, instead I saved more than £134 per year buy using Life Insurance Comparison.uk.com
Sitting in an airport lounge waiting for a flight connection is probably the dullest way of spending time I know, apart from waiting for the AA which is also up there in my list of things I would do less than go to have root canal work done by an inexperienced dentist. The process of waiting for a plane however can be transformed by WiFi which if you are lucky enough to be able to access from one of the comfy seats rather than the wooden seats in the Starbucks franchise is all the better almost making the whole process bearable. With two hours to kill I sat down and decided to work though as many emails I could, so reducing the time I would have to spend doing this at home. On this occasion this was all going pretty well with the delete button being pressed at an ever increasing rate until I came across an email from my travel insurance provider letting me know that the cost of my renewal would be about ten pounds more than I had paid the previous year, although the increase was affordable I thought that it would be worth spending a couple of minutes getting an alternative quote as, lets face it, what else did I have to do for a few minutes? As it turned out I could save myself ten pounds on the annual premium I was currently paying. Once you’ve saved a few pounds you get a taste for it. On another table along the top of the web page I could make a Life Insurance Comparison, find critical illness cover and other financial products. Saving money or rather stopping yourself wasting any more money is a tremendously empowering feeling and rather addictive.
Tags: Aa, Comfy Seats, Couple Of Minutes, Critical Illness Cover, Dentist, Email, Few Minutes, Insurance Provider, Insurance Uk, Life Insurance Comparison, Previous Year, Root Canal Work, Saving Money, Spending Time, Starbucks, Starbucks Franchise, Travel Insurance, Using Life Insurance, Web Page, WifiA colleague of mine at work has recently had the news that her partner is about to be made redundant and like so many people her age had been spending virtually all their combined income without saving anything for a rainy day. I suppose they are relatively fortunate that she still has a job and that he’s quite prepared to do anything to bring in some money and believes he can pick up some temporary shift work in a factory but it won’t make up for the shortfall. They were faced with a scenario of having to save a few hundred pounds a month if they were to remain with their heads above water and stay solvent so they have had to sit down and analyse their entire spending to see what could be cut back on, what could be cut out all together and what they needed to prioritise like rent. There were a few quick wins; Sky was cancelled as was gym membership and direct debits to lottery syndicates etc. Charities have been shelved temporarily as have anything that wasn’t vital. She then used the comparison websites to source better deals on the home insurance, car insurance and life insurance, where she found a site called life insurance compare and made the biggest saving. In most cases she was able to save a few pounds to chip away at her shortfall.
Tags: Car Insurance, Charities, Colleague, Direct Debits, Gym Membership, Home Insurance, Insurance, Insurance Car, Insurance Life, Job, Life Insurance, Lottery Syndicates, Money, Quick Wins, Rainy Day, Shift Work, Shortfall, SkyA colleague of mine at work has recently had the news that her partner is about to be made redundant and like so many people her age had been spending virtually all their combined income without saving anything for a rainy day. I suppose they are relatively fortunate that she still has a job and that he’s quite prepared to do anything to bring in some money and believes he can pick up some temporary shift work in a factory but it won’t make up for the shortfall. They were faced with a scenario of having to save a few hundred pounds a month if they were to remain with their heads above water and stay solvent so they have had to sit down and analyse their entire spending to see what could be cut back on, what could be cut out all together and what they needed to prioritise like rent. There were a few quick wins; Sky was cancelled as was gym membership and direct debits to lottery syndicates etc. Charities have been shelved temporarily as have anything that wasn’t vital. She then used the comparison websites to source better deals on the home insurance, car insurance and life insurance, where she found a site called Mortgage Protection Insurance and made the biggest saving. In most cases she was able to save a few pounds to chip away at her shortfall.
Tags: Car Insurance, Charities, Colleague, Direct Debits, Gym Membership, Home Insurance, Insurance, Insurance Car, Insurance Life, Job, Life Insurance, Lottery Syndicates, Money, Mortgage Insurance, Mortgage Protection Insurance, Quick Wins, Rainy Day, Shift Work, Shortfall, SkyMy wife and I sat down the on Sunday evening to watch Bergerac and half way through the first advert break there was an advert called Mortgage Protection Insurance. My wife reached for the remote and paused the television program and asked me was that the insurance that our financial adviser had been discussing with us a few weeks ago. I wasn’t sure, but after the program I checked through the notes of the meeting he had sent and it turned out to be exactly what he’d suggested that we should take out. As I understand it the policy is designed to pay out a proportion of my wages should I be unable to work through illness or injury and following a set time period. We then logged onto the financial comparison websites to see if what he was offering was indeed good value and whether we could get the same type of insurance any cheaper. What I find so surprising is that virtually no one seems to know about or even heard about this type of cover. I have spoken to friends and colleagues at work and no one has heard of it which either begs the question, if no one has heard about it why not, or am I being given the wrong suggestions by my financial adviser? There could be a third option of course that is that the advice my friends and colleagues have received isn’t as good as the advice I’ve received. Anyway, it seems like a pretty good idea to me as it seems to be one of the few ways that I can protect everything else I pay for.
Tags: Advert, Advice, Break, Colleagues, Financial Adviser, Friends, Insurance, Insurance Plan, Insurance Uk, Mortgage Insurance, Mortgage Protection Insurance, Proportion, Sat, Sunday Evening, Television Program, Time Period, WagesGetting my finances sorted out was one of my first goals once I started my first full time job as I had tended to live a very hand to mouth existence up until then and although my parents were able to help me out when I needed money it clearly frustrated them and it was the cause of many arguments and led me to leave home which looking back on it was probably the scariest moment in my life when I had to take life seriously for the first time. Colleagues at work were always telling me to do this and that and I really didn’t know who I should listen to but it was a financial adviser my Dad used to deal with who sat down with me and told me what was important to him and what I should be looking to do with my money. He talked about permanent health insurance which pays out if you’re sick and unable to work and a few other insurances that I should have in place. The government will pay a bit but not enough and it seemed to make sense. My job is not the most interesting but I do have a place of my own and I know that I can always pay for it if things go wrong. I also stumbled on the Compare Life Cover website and bought a life insurance policy from Bupa.
Tags: Bupa, Colleagues, Dad, Finances, Financial Adviser, Full Time Job, Goals, Hand To Mouth, Health Insurance, Insurance, Insurances, Led, Life Insurance Policy, Money, Mouth Existence, Parents, Permanent Health InsuranceHaving always been an advocate of the fixed rate mortgage since buying my first home some twenty two years ago, I have only recently reached the end of a five year fixed-rate mortgage which, in retrospect wasn’t the best deal I have ever signed up for. Although the interest rate was not stupidly expensive it certainly meant that I wasn’t as well off as I could’ve been for a number of years, although I have to remind myself that the reason I elected to fix the costs was just in case the costs of borrowing sky rocketed leaving me with an unaffordable mortgage and the potential for repossession. What I have done, however, is to change the things I can change and decided that the mortgage was a thing that I couldn’t change so I wouldn’t cry over spilt milk. The comparison websites that dominate every advert break truly hand control of people’s money back to the people and I love the democratic way that the masses can vote with their feet and walk away from companies that they deem to be too expensive and move to companies that appear to be more welcoming, at least initially that is. I am aware that these companies do seem to lay on the charm to entice people into their lair after which they will try to increase the costs for the unsuspecting, but I intend to move my business to a new home when I begin to feel that they are trying to take me to the financial cleaners. I regularly sit down and review all my finances by logging on to compare life cover and check to see if my electricity and gas suppliers haven’t altered their tariffs to a rate that benefits them rather than me.
Tags: Advert, Advocate, Democratic Way, Electricity And Gas Suppliers, Electricity Suppliers, Feet, Fixed Rate Mortgage, Interest Rate, Lair, Logging, Love, Money, People, Retrospect, Sit, Sky, Tariffs, Year Fixed Rate MortgageFew could have been predicted when CI was born exactly where it would end up. Who would have thought 15 years ago that so many key Critical Illness Insurance products would now be offered? The number of conditions covered under the CI product has increased significantly from the initial six. Greater product flexibility post sale has enabled customers to tailor it to their changing needs, more options and valuable features such as Best Doctors and health-lines have been included.
Here are the reasons we have reached a crossroads in Critical Illness: