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 ‘Personal Insurance’
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.
Income Protection Insurance for skilled workers
Wednesday, March 3rd, 2010
Income protection insurance policies now allow skilled workers more control to clearly define events covered. You can now receive a payout if you are no longer able to perform your own specific job or activity, rather than having to be incapable of all activities within your profession.
Health insurance policy lets customer control cost
Thursday, February 18th, 2010Aviva is offering customers the option to cut the cost of their health insurance by limiting the amount of cover their health policy provides. If you will pay the first £5,000 of your costs you can gain a discount of up to 65%. Agree to pay the first £3,000 of your own costs, and have a discount of up to 50%.
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 [...]
Critical Illness Insurance also available in ‘severity-based’ version
Friday, February 5th, 2010Consumers with a critical illness which comes in mild and more severe manifestations can often find themselves at odds with their insurance provider, over the validity of a claim. A more flexibile option is ‘severity-related’ critical illness insurance, which offers a partial payout for less severe episodes of critical conditions.
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.
ABI addresses misunderstandings in health insurance policies
Thursday, November 26th, 2009The Association of British Insurers is this week to present latest proposals to clear up consumer misunderstanding of key terms and conditions of health insurance policies.
The list of concerns the ABI has raised serves to highlight for consumers the pitfalls in the small print of health cover.
Check your financial toolkit: mortgages, pensions, insurance
Thursday, November 26th, 2009The key to being prepared for any household emergency is having the right tools to hand – and, as with any good system, a toolkit needs regular ‘tweaking’ to keep it well-stocked and up to date. Your ‘financial toolkit’ is no different. It needs regular reviews. Don’t fall into the trap of leaving your financial plan under the stairs, gathering dust with those old tins of paint and that old carpet!
Here are a few thoughts on your financial products, that could actually save you money.
More consumers have pet insurance than health insurance
Tuesday, November 24th, 2009More people in the UK have pet insurance than personal health insurance, according to new data published this week.
While 21.5% of respondents in a survey of over 1,400 UK adults said they had insured their pet, only 20.3% said they were holders of a personal health insurance policy on themselves.
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