Date:23 February 2011 I Comments: 1 I Views:7,938

It’s fairly common knowledge that women tend to live longer than men. In fact, the Office for National Statistics has been conducting surveys for years and a boy baby born in current times can expect to live to 77.7 and a girl baby is expected to live to the ripe old age of 81.9 http://www.statistics.gov.uk/cci/nugget.asp?id=168 Apparently however, the gap has come down over the last 27 years from 6 years to 4.2 year which suggests men are taking better care of their health but there is still a clear gap. For this reason, women actually pay slightly less for life insurance

.....read more >

Date:14 January 2011 I Comments: 4 I Views:14,875

Credit ratings and car insurance, two staples of modern life and two things that cause many people no end of worry! And, just to add to that worry, insurance companies are now using your credit score to help determine the cost of your car insurance! Which means that you could be a model driver, with no claims or convictions and may never even have had so much as a parking ticket, but if you mess up your balance transfers or miss a couple of credit card payments shortly before renewing your car insurance, you could find yourself paying an inflated

.....read more >

Date:20 December 2010 I Comments: 2 I Views:11,447

One snowy morning I was slowly gearing myself up to head into the office and I thought I’d catch the news while supping a cuppa. I was browsing channels for news when I saw Rip Off Britain in the guide. “Angela Rippon, Gloria Hunniford and Jennie Bond return to their journalistic roots to expose some of the rip offs that are costing British consumers.” I’ve only ever caught a glimpse of this once before in the past and I flicked onto it again to see what the girls had to say this time. One section of the show was about

.....read more >

Date:15 September 2010 I Comments: 1 I Views:12,532

Sometimes being frugal and saving money where possible is the right thing to do. Sometimes it’s the only option available when finances are tight. But people who are able to make ‘lifestyle’ decisions on the things they buy would never buy the cheapest fridge on offer or the cheapest material for the new kitchen worktop. Nor would they buy cheap clothes or cheap shoes. Lifestyle choices are usually made based on preference and quality (and sometimes pride) but not on price. The saying ‘you get what you pay for’ sums up the concept that if you pay more, you get better quality or better

.....read more >

Date:21 July 2010 I Comments: 7 I Views:7,607

I could sum up the rest of this article in one paragraph but to make the post a bit more fulfilling I feel as though I ought to pad it out a bit like a real news article. There are three types of people in the world; i) those who see life insurance as a vital part of their financial planning ii) those who just don’t see the point of life insurance iii) and those who are told by their wife that they need to sort it out. People who are fit and healthy with no medical conditions and nothing

.....read more >

Date:29 March 2010 I Comments: 3 I Views:8,695

It’s true, all is not necessarily lost. In writing this I would like to increase awareness and make it known that if someone is turned down for life insurance by one company (or even two or three) it does not have to mean that cover is unobtainable. Don’t be fooled into thinking the big supermarkets offer their own cover, they simply re-brand other insurance companies products. A lot of banks are also only brokers for other companies and therefore you might apply to a few brokers thinking they are different companies when in actual fact they all offer the same cover under different names. As you

.....read more >

Date:16 March 2010 I Comments: 1 I Views:9,081

Direct Line don’t feature on price comparison sites They don’t pay a middle man. But… They DO run online marketing campaigns and pay partner websites for each sale generated.  PLUS They are all over the TV paying an advertising agency to employ top UK personalities and for prime advertising slots at peak viewing times. So how do they pass on savings to the customer? They offer 52 days free cover. So? Aviva (who recently spent a fortune on their rebranding from Norwich Union) offer 2 months free cover. (2 months = 2 x 30 = 60 days free (approx.)) Web shoppers who want

.....read more >

Date:3 December 2009 I Comments: 6 I Views:7,131

I became qualified to provide mortgage and protection advice in late 2007. It’s been quite a ride. When mortgage business started to dry up I focused more on protection such as life insurance, income protection etc. (The percentage of mortgage advisers who don’t even discuss how to protect the debt is staggering! Which is probably one of the reasons why a lot of people don’t appreciate how important it is.) I have a mortgage, I have life cover. I am one of those people that just feels a lot more comfortable knowing that if I died the debt would be

.....read more >

Date:22 September 2009 I Comments: 1 I Views:14,132

Inheritance Tax. Sadly, a large number of people in the UK will never have to worry about inheritance tax because of the Government threshold. I mean that in the sense that it would be nice if we were all in a position to need advice on the matter! From the 6th of April 2009 this threshold became £325,000 per person. If a person dies with assets valued at above £325,000 then tax is charged on the amount above the £325,000 figure. i.e. Mr. A. dies with: House – £200,000 Savings – £100,000 Shares – £50,000 Total – £350,000 Minus the

.....read more >

Date:29 April 2009 I Comments: 2 I Views:13,192

Due to my activity in the finance sector I have recently established a source able to provide an abundant supply of life insurance leads. I am being informed that these leads have a conversion rate of about 50% which is very good for internet generated leads and all of the leads are incoming as opposed to people who have been cold called. This means the leads are from genuine people with a genuine interest in buying life insurance. What I am trying to do is find out if there are people who would be interested in buying a regular supply of life

.....read more >