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Corsa Sport » Message Board » Off Day » House Day » Life Insurance - Your opinions » Post Reply
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dan_m1les |
posted on 30th Apr 14 at 21:38 |
I hung up on the once john, they called back with a different pitch | |
John |
posted on 30th Apr 14 at 18:46 |
I got a quote with protected.co.uk earlier on, they phoned within 5 minutes with the hard sell. | |
DC90 |
posted on 30th Apr 14 at 17:41 |
Covered by critical insurance with a work policy, got life insurance with legal & general. Got the same deal as Graham. | |
dan_m1les |
posted on 30th Apr 14 at 14:01 |
I've also just moved to protected.co.uk, gone from £22 a month with L&G to £7.80 a month with zurich for cover of £150k | |
Graham88 |
posted on 29th Apr 14 at 22:38 |
Unemployment cover? | |
Gary |
posted on 29th Apr 14 at 19:10 |
Tempted by insurance recently after going self employed. Any cover about just to cover if I cant work for any reason? | |
Graham88 |
posted on 28th Apr 14 at 23:50 |
Got a phone call from protected.co.uk and sorted a policy out, so instead of £90 a month for me and the Mrs, it's working out £12.50 a month instead! With Legal & General, 150k payout if either of us dies, 300k if we both die to a trustee. 30 year policy guaranteed to stay the same price. It's just life insurance and terminal illness, but I wasn't bothered about critical illness anyway. And for the money it's saving I'm well happy! | |
dannymccann |
posted on 28th Apr 14 at 14:22 |
Yea never take it from an EA or IFA, but obviously always read the small print to see exactly what's covered in your cheaper policy to make sure it covers everything you need :) | |
Graham88 |
posted on 28th Apr 14 at 04:11 |
quote: We're being quoted £40 a month for life & critical by the estate agents, just did it on that site and put 150k in and it's £10 a month, think I need to do some shopping around! Just long trying to read through every policy to see what is and isn't included. | |
Cavey |
posted on 27th Apr 14 at 20:04 |
Also, "compulsory" to have some life insurance, but Colin cancelled and took it with another company, so still has it | |
Ian |
posted on 27th Apr 14 at 19:58 |
quote: Certainly not for mine - I don't have it. But its just me paying it and I've no kids. Not sure if its different with two people although my suspicion is that although its wiser, you don't have to have it. Could be a condition of that provider though - which doesn't make it compulsory as such, but the decision to lend is based on it. If they'd even get away with that. | |
pow |
posted on 27th Apr 14 at 19:52 |
Yeah - sorry - buildings is but nothing else is, they just want to flog you more shite | |
dannymccann |
posted on 27th Apr 14 at 11:39 |
quote: Pretty sure buildings insurance is a condition of most mortgages due to the bank owning the house, not you...? You could cancel it in theory, but then they could pull your mortgage on you, which kinda leaves you up a certain creek without a paddle :lol: Life insurance is something I need to look into but I think our joint policy is only £18 a month at the moment so it's not key for me, certainly not while I've got 3 accountancy exams to revise for, a promotion at work and a baby at home :lol: :facepalm: [Edited on 27-04-2014 by dannymccann] | |
pow |
posted on 25th Apr 14 at 09:34 |
Nothing is 'compsulary' - they just like you to have it | |
Colin |
posted on 25th Apr 14 at 08:02 |
Compulsory......not that I'm aware, buildings insurance is compulsory. Read your mortgage key facts, should say in there. | |
Ben G |
posted on 25th Apr 14 at 07:17 |
quote: How did you go about cancelling it, Colin? I was under the impression (and my mortgage provider/bank told me) thats life insurance is compulsory and can't be cancelled before the end of the mortgage term. They probably would say that though, as I took out life insurance with them at the time of the mortgage application. | |
M2RTY |
posted on 25th Apr 14 at 03:10 |
We have 2 single 30 year policies | |
Pop |
posted on 23rd Apr 14 at 20:38 |
Both my wife and I have life cover through our different employers as part of our benefits. Both are approx 3 times our salaries. | |
Colin |
posted on 23rd Apr 14 at 20:20 |
£64 a month :-/ fuck me, I'd be gutted if I didn't die during the term! | |
Gaz |
posted on 23rd Apr 14 at 19:36 |
We pay £40 a month for a joint... don't think it covers critical illness | |
Andrew |
posted on 23rd Apr 14 at 19:07 |
I've got the policy in front of me at the moment. Start paying £64 a month to AVIVA on the 1st. I need to go through it as it seems a lot compared to what Colin is paying! As far as i know, it's just Critical Illness cover and they will pay off the house if one of us becomes ill. | |
Colin |
posted on 23rd Apr 14 at 18:15 |
Ive just addressed this recently. I was paying almost £40 a month for a policy (2 singles) which was set up by a ifa and was a policy to pay off the mortgage on a reducing scale over the 25 years. | |
richardworrall |
posted on 23rd Apr 14 at 16:23 |
Not had any before, now married and purchasing house so need to get some. |