http://www.moneysupermarket.com/community/forums/life-assurance-49.aspxenCommunityServer 2.1 (Debug Build: 0.2)http://www.moneysupermarket.com/community/forums/t/life-assurance-39423.aspxTue, 03 Nov 2009 19:22:28 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167673swan2http://www.moneysupermarket.com/community/forums/t/life-assurance-39423.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=167673 My partner, aged 43, cleared hepatitis C without treatment and has a consultant's letter to say he does not have the virus anymore. I read that he can get a quote for life assurance (ie a payout after a period of time if he is still alive) without hte hepatitis being an issue. What is the best option for him? Does he even have to declare the Hepatitis was once diagnosed. There is no damage to his liver. http://www.moneysupermarket.com/community/forums/t/life-insurance-whilst-living-abroad-39368.aspxSun, 01 Nov 2009 13:03:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167411Seren Jones3http://www.moneysupermarket.com/community/forums/t/life-insurance-whilst-living-abroad-39368.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=167411Can anyone recommend a provider of life insurance for Brits living abroad? We currently live in Abu Dhabi, UAE. Thanks,http://www.moneysupermarket.com/community/forums/t/mortgage-life-assurance-cancellation-question-38777.aspxMon, 05 Oct 2009 18:45:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165074Red Fan3http://www.moneysupermarket.com/community/forums/t/mortgage-life-assurance-cancellation-question-38777.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=165074 When I moved house 3-4 years ago I increased my and also took out a second life assurance policy to cover the extra mortgage borrowing. I have since repaid this extra borrowing, so that now my current debt is below the amount that was covered by my original life policy. Should I now simply cancel the 2nd policy - or does having a 2nd policy hold any benefits. The 2nd policy is a joint life policy. http://www.moneysupermarket.com/community/forums/t/joint-ownership-of-life-assuranceinsurance-38580.aspxMon, 28 Sep 2009 11:52:54 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164332Fariad4http://www.moneysupermarket.com/community/forums/t/joint-ownership-of-life-assuranceinsurance-38580.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=164332 I am wanting to take out a policy and I have so many questions needing answered. When I saw ask the expert I knew this is a good place to start (hopefully the expert wont get scared as to the amount of questions i have). first a little about me so you understand where i am coming from:- I have a young family and I know what it is like to have lost the main breadwinner in the household. Thats when the vulchers step in and slowly taken advantage of a mum trying to deal with the death of her partner while trying to raise 5 children all on her own (although I was oblivious to most of this untill recently). So now I am the breadwinner and I want my wife and child/ren not to worry about bills and know that should something happen to me they burden of paying debts will disappear with enough left in the pot for them to live comfortably! I hope you will be able to assist me with my questions and as your expert advice is free and impartial. what is the difference between life insurance and life assurance? which is better? A single policy is cheaper than a joint policy but i have heard you can have a single policy with joint ownership which means if any policy holder dies then it pays out to the survivor of the policy. which basically means this is like a joint policy but you would only pay the amount for a single policy. Please help clarify the benfits of a joint ownership etc. I have heard you can only be insured for 15 times your wage but what options are there if you want a bigger amount? should you then take out another policy? for example your wife is on minimum wage but now that she is looking after her baby it would cost more for her to return to work and pay for childcare etc? Why should I use and pay for an independant financial adviser (which costs about £500 fee) instead of just looking on line and choosing one there? I suppose they can provide expert advice but if I know roughly what i want and read all the terms and conditions then surely i can save this money? If i take out a joint ownership policy in my name then its more expensive however if i take it out in my wife's name then it's a lot cheaper and we would both be covered. Do you see any issues with this? Is there any policy that stands out above the rest? Is there a life insurance/assurance company that has received a lot of complaints (FOS etc)? e.g. for not paying out and the FOS making them payout etc. How do you know how much cover is enough? How do you work this out? What is the maximum cover you can get (how do the company work this out? is it worked out on your income?) (PS i have no mortgage and if i did get one then I will hopefull have a seperate policy to cover that debt) http://www.moneysupermarket.com/community/forums/t/life-assurance-38520.aspxFri, 25 Sep 2009 09:25:05 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164124daveboy2http://www.moneysupermarket.com/community/forums/t/life-assurance-38520.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=164124can you change life assurance anytime as my insurance seems quite high i have had it for 2 years now,nothing has changed as in good health,job ,income.thanks http://www.moneysupermarket.com/community/forums/t/life-assurance-38714.aspxFri, 02 Oct 2009 14:48:40 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164839Mike Andrews1http://www.moneysupermarket.com/community/forums/t/life-assurance-38714.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=164839Can you provide Corporate Life Assurance policies?http://www.moneysupermarket.com/community/forums/t/are-healthcare-schemes-worth-it-38246.aspxSun, 13 Sep 2009 06:58:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163004Clowie2http://www.moneysupermarket.com/community/forums/t/are-healthcare-schemes-worth-it-38246.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=163004 My employer provides 'free' healthcare for me, my wife, and two kids. I can opt out of this healthcare scheme and receive about £100 per month instead. Are healthcare schemes worth it when the NHS already provides an excellent service? http://www.moneysupermarket.com/community/forums/t/sale-of-pension-34637.aspxTue, 05 May 2009 06:32:45 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:148610dirkydel2http://www.moneysupermarket.com/community/forums/t/sale-of-pension-34637.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=148610 I have a private pension that has been frozen since my redundancy in 2005,the maturity date is 2025 but I was wondering, seeing that I will be 50 next year would I be able to sell the pension to get the full (at that time) value? If so, what companies would I approach? All information greatly appreciated. http://www.moneysupermarket.com/community/forums/t/50-life-cover-37622.aspxTue, 18 Aug 2009 14:58:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:160355bigfal502http://www.moneysupermarket.com/community/forums/t/50-life-cover-37622.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=160355I am reaching that bridge shortly and would like to know which is the best value live cover?http://www.moneysupermarket.com/community/forums/t/life-assurance-claim-rejection-37783.aspxTue, 25 Aug 2009 06:32:12 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:160977brian573http://www.moneysupermarket.com/community/forums/t/life-assurance-claim-rejection-37783.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=160977 Can someone help point me in the right direction for expert help? My wife died in March this year and I have just received a letter from Scottish Widows rejecting my claim. My wife died of pneumonia following a severe chest infection. she had been a heavy drinker over the past couple of years after her father passed away and the coroner recorded 'alcoholic liver disease under section 2 of the death certificate as they found her liver slightly enlarged although they state it was not the cause of death. This alerted the insurers to obtain all medical records and are using the fact my wife attended hospital 21 months before the policy was taken out (for observation) yet answered 'no' to the question " have you been to hospital for treatment in the past 2 years". The policy was taken out 10 years ago and my wife had no alcoholic condition back then and I know the broker completed the forms and she answered honestly as she remembered. I cannot find anyone to go to to help me fight this. I will appeal but I feel I am taking on the might of a large Insurance company and the solicitors I've checked out do not specialise in these sort of claims. Any ideas please? http://www.moneysupermarket.com/community/forums/t/life-insurance-after-cancer-diagnosis-37385.aspxFri, 07 Aug 2009 10:34:23 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:159213sj661http://www.moneysupermarket.com/community/forums/t/life-insurance-after-cancer-diagnosis-37385.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=159213I had a life insurance quote deferred 2yrs ago because 6mths previously I'd had a tumour removed from my bladder. I've been cancer-free since then (checked annually) and as a single parent with a mortgage, I really need to get life insurance if only to pay off my mortgage in the event of my death. Which companies are more likely to be prepared to cover me? I'm a female in my early 40s.http://www.moneysupermarket.com/community/forums/t/revised-conditions-for-an-adaptable-term-plan-36428.aspxFri, 03 Jul 2009 11:52:18 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:155542bmw2000csi0http://www.moneysupermarket.com/community/forums/t/revised-conditions-for-an-adaptable-term-plan-36428.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=155542 I have an ADP taken out with Zurich Insurance 20 years ago which finishes in 2012 when I am 65. I have been informed that, in the current financial climate, the Sum Assured will be reduced from approx £180000 to approx £160000 if I maintain the same payments of £38.19 a month. To continue the same SA I would need to increase the monthly payments to £51.99. I no longer have any outstanding mortgage or debts - the sum would just assist my wife should I die within the next 3 years! I am not inclined to increase the payments. Could you advise whether, in your opinion: (a) the policy reflects good value for money at the reduced SA (b) if, as I am in good health and have just retired, whether there are more cost-effective policies which would provide additional support to my partner in the case of my death, for a period longer than 3 years. http://www.moneysupermarket.com/community/forums/t/what-do-i-need-to-declare-as-medical-conditions-35683.aspxFri, 05 Jun 2009 08:54:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:152753lilyrose4http://www.moneysupermarket.com/community/forums/t/what-do-i-need-to-declare-as-medical-conditions-35683.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=152753 I'm just about to buy a new house and obviously need to take out life insurance to cover the mortgage in the event of my death. I have been asked to list all medical condtions during the last five years. I'm not really sure what qualifies as a 'medical condition'. I had a brief period of depression during my divorce for which I was prescribed Prozac. I will obviously declare this. Other than that I'm not sure what sort of thing I am expected to declare. Is it just serious and ongoing condtions? Cant think that they need to know about every sniffle but I just want to get it right. I dont want to give them any reason to wriggle out of paying up if I die and landing my sons with a massive finacial headache! Any advice gratefully received. http://www.moneysupermarket.com/community/forums/t/preexisting-illness-life-assurance-35369.aspxMon, 25 May 2009 11:08:10 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:151589kdingwall3http://www.moneysupermarket.com/community/forums/t/preexisting-illness-life-assurance-35369.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=151589My father is suffering from mid-stage Alzheimers and Dementia. I have been looking through his finances on behalf of my mother and discovered to my surprise that he does not have life assurance in force, a previous policy having matured and not extended or renewed. Consequently he is without life cover and in view of his illness could you clarify whether any Insurer would accept him for Life Assurance? If so, could you advise which Insurer(s) would be likely to quote? http://www.moneysupermarket.com/community/forums/t/life-assurance-hill-samuelabbey-life-33461.aspxMon, 30 Mar 2009 09:01:17 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:144222ypen6http://www.moneysupermarket.com/community/forums/t/life-assurance-hill-samuelabbey-life-33461.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=144222 I have a small pension-related life assurance policy provided by Hill Samuel Life Assurance Company Limited. In trying to trace this policy I've found out that Hill Samuel was taken over by TSB (which later became part of Lloyds TSB).Lloyds TSB sold this business to Abbey Life Assurance, then sold Abbey Life to Deutsche Bank. The Association of British Insurers has a very interesting service to trace insurers, but neither the telephones or the website published for Abbey Life are operative! (very useful...) I'm trying through DB: does anyone have any further suggestions? http://www.moneysupermarket.com/community/forums/t/advice-needed-for-first-time-life-asurance-buyer-18878.aspxFri, 07 Mar 2008 12:07:40 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:82593Kes087http://www.moneysupermarket.com/community/forums/t/advice-needed-for-first-time-life-asurance-buyer-18878.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=82593 Hi there, Me and my partner (26 & 25) are in the process of buying a house and we have a 6month old daughter. We have never had life assurance cover before, but know that we do need it. The FA who has helped us get our mortgage is a nightmare and he said he would come back soon to help us. To be honest I don't want his help as I can't stand him and also we can find our own cover! As this is our first time of requiring this, can anyone give me advice on who we could use and what type of cover we should go for, as we really haven't a clue. Be very grateful for any advice, comments. Thanks x K x http://www.moneysupermarket.com/community/forums/t/non-smoker-34178.aspxWed, 22 Apr 2009 15:58:16 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:146781dedato2http://www.moneysupermarket.com/community/forums/t/non-smoker-34178.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=146781 I have life assurance as a smoker but have been of cigarettes for 13 months. My broker advises against declaring this as he says it will entail swab tests and medicals and I would be better to take a new policy out. Is he just hungry for commission or not. Thanks http://www.moneysupermarket.com/community/forums/t/life-assurance-31681.aspxSun, 15 Feb 2009 12:44:45 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:138590garrigan4http://www.moneysupermarket.com/community/forums/t/life-assurance-31681.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=138590I hae a pre-existing medical condition Bipolar Disorder/Manic Depression and I am looking for Life Assurance/Incme Protection. I have checked with most of the Mental Health websites and the best advice they can come up with is to email Life Assurance Companies to see if they will cover me. Is there anyone that can help or point me in the right direction.http://www.moneysupermarket.com/community/forums/t/will-full-amount-be-paid-out-on-death-31936.aspxThu, 19 Feb 2009 16:57:03 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:139310Ica3http://www.moneysupermarket.com/community/forums/t/will-full-amount-be-paid-out-on-death-31936.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=139310 I am looking for life insurance to cover me and my husband for our new mortgage. I am confused! If we get a joint policy will the full amount be paid out on one death, or just half? Please help! http://www.moneysupermarket.com/community/forums/t/commute-pension-for-lump-sum-32678.aspxMon, 09 Mar 2009 15:30:42 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:141631MIZEEKS7http://www.moneysupermarket.com/community/forums/t/commute-pension-for-lump-sum-32678.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=141631 Next January I qualify for payment of a small presrved pension (around £500 pa) from a former employer. This should prove an unreasonable administrative burden to the Trustees, and I imagine they willl wish to offer a lump sum to" buy out" their obligation.What would be a reasonable sum/term in pension years to expect? ps :I'm a 64 yr old male(65 at qualifying date), with quintuple heart bypass Jan 1995, type 2 diabetes (tablet controlled) 2000, asthma 2007. Otherwise I'm in great shape!! - Pension is fixed sum. http://www.moneysupermarket.com/community/forums/t/profiting-from-mothers-death-33406.aspxSat, 28 Mar 2009 15:01:43 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:144058sadsnail2http://www.moneysupermarket.com/community/forums/t/profiting-from-mothers-death-33406.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=144058 Mothers insurance policies have been paid out, but the oldest child is insisting that the whole family each pay several hundred pounds apiece .There was no will, no property or other assets, the insurance was specifically for the funeral, the premium very nearly covers entire expenditure, the maximum we might have to chip in would be £40 each. Can he lawfully get away with this ? http://www.moneysupermarket.com/community/forums/t/old-midland-bank-pension-scheme-help-31846.aspxWed, 18 Feb 2009 10:21:56 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:139067Shephard2http://www.moneysupermarket.com/community/forums/t/old-midland-bank-pension-scheme-help-31846.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=139067 I worked for Forward Trust from 1/73 to 4/75 during which time I accrued a small pension entitlement and was provided with a form GPF252 upon leaving. Since then, there have been many changes and I do not know who to approach on this issue. Would much appreciate a sense of direction. With kind regards and thanks David J Shephard http://www.moneysupermarket.com/community/forums/t/life-assurance-overseas-31687.aspxSun, 15 Feb 2009 14:01:38 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:138603Scotlass0http://www.moneysupermarket.com/community/forums/t/life-assurance-overseas-31687.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=138603 Hi A friend of mine recently turned 60 and is thinking about taking out life insurance. However, when she is 65 there is a possibility that she may move to New Zealand to live with family she has there. Can anyone advice me on a relatively cheap policy (I think she just wants a few thousand for burial purposes) which she can continue to pay and her family claim on when she goes to NZ? Thanks so much, I appreciate any help you can give. Shirley http://www.moneysupermarket.com/community/forums/t/where-would-be-the-best-place-for-life-insurance-26381.aspxMon, 13 Oct 2008 13:18:15 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:112330kerber0s7http://www.moneysupermarket.com/community/forums/t/where-would-be-the-best-place-for-life-insurance-26381.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=112330 Hi, Can anyone recommend the best places i can try for Life insurance - ive tried Bright Grey and Norwich union and they seem a bit high. The deal is Covering 120K mortgage decreasing term over 30 yrs, i am 24 non smoker, no dependants no health issues etc - BUT i need to declare that i compete in Motor racing - when this was added on to the quote the price went from £21pm to around £50! and i didnt really want to pay that much! Thanks http://www.moneysupermarket.com/community/forums/t/duplicate-self-assurance-with-same-company-can-it-31059.aspxMon, 02 Feb 2009 18:31:11 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:136534Gazz1http://www.moneysupermarket.com/community/forums/t/duplicate-self-assurance-with-same-company-can-it-31059.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=49&PostID=136534 can an insurance company collect on two life assurance policies running at the same time for the same property and people? If we have two critical illness cover polices with same company, covering same property and people - would they pay out on both policies. One was taken out in 2000 on a 47.5k mortgage and then increased in 2007 on a higher mortgage on same property - since 2007 the company have continued to collect on both policies