Many factors are considered when calculating life insurance premiums – including your occupational risks. Whether you are a zookeeper or a window cleaner, buying life insurance can be a game of snakes and ladders.
Posts Tagged ‘Inheritance Tax Liability’
Factor £194,000 per child into your financial planning – Zurich
Thursday, April 1st, 2010
For financial planning purposes, the cost of raising a child to 21 should be factored in as £194,000. Life insurance cover should be calculated accordingly, says Zurich Assurance.
Consumers continue to neglect financial planning
Monday, March 29th, 2010Over a third of UK workers are neglecting their financial planning, and the problem is most pronounced among lower earners, according to a new report by the Association of British Insurers (ABI). While 40% of people admit they have made no provision in their financial planning to cope with unexpected future eventualities, this figure rises to 46% among those earning less than £20,000 per year.
Cut life insurance premiums by quitting smoking
Monday, March 8th, 2010
A 45-year-old male smoker can save £276 on his annual life insurance premiums, and £1,000 per year on tobacco spending, by quitting cigarettes. The savings on tobacco will more than pay for the life insurance cover, according to Aviva.
Households last 2 weeks without life and critical illness cover
Friday, February 26th, 2010
The average UK household would run out of money in just 14 days, if a wage earner was hit by critical illness or died. Despite this, 63% of households still have no life and critical illness cover.
Parents fail to act on need for life assurance and financial planning
Tuesday, February 9th, 2010Parents in Ireland urgently need to review their family financial planning, especially with regard to life insurance cover to protect their family and their lifestyle, according to a new report from Aviva. In Ireland, 59% of adults and 42% of parents have no life assurance cover whatsoever, and 80% of adults ‘do not worry’ about the [...]
OFT highlights need for financial advice on life insurance, critical illness insurance
Monday, February 8th, 2010An Office of Fair Trading study into ‘small print’ in contracts is likely to focus on life insurance and critical illness insurance, emphasing again the value of independent financial advice.
Fifty ways to leave your cover… financial planning tips on your insurance, mortgage, and savings account
Wednesday, January 27th, 2010There must be … fifty ways to leave your cover. Figures show that savvy mortgage buyers, savers, and buyers of life insurance all stand to save thousands, by shopping around, switching deals, and taking independent financial advice
Buying life insurance: the do’s and don’ts
Thursday, January 7th, 2010
Life insurance serves your family by helping with the financial burden that can accompany the loss of a loved one. For that reason, it is important to seek independent advice, and put a little planning into setting up your life policy. Here are the key aspects to consider – the ‘do’s’ and ‘don’ts’ of buying life insurance.
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