Former Senior Commercial Manager
Rachel Ditchburn
Rachel is a former Senior Commercial Manager at MoneySuperMarket, where she oversaw the Protection, Pet and Leisure Insurance channels.
Outside of work, Rachel is a keen cook and enjoys live music, skiing and going on trips with her young family.
More from Rachel Ditchburn
Understand life assurance and how it differs from life insurance
Life assurance and life insurance are both policies which pay out a sum of money if you die. However, they work in different ways, and here we explain how each works so you can decide which might be right for you.
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News & Guides
- Updating life insurance
- Family life insurance
- How to claim life insurance There’s plenty to think about when a loved one dies. Besides grieving, there are funeral arrangements, and if you are in charge of handling the estate you need to know how to claim life insurance.
- What topics will I discuss with a life insurance advisor?
- Why do you need life insurance? Life insurance provides financial protection in the event of your death and gives your family and loved ones a lump sum of money to cover your income. This means they can stay in their home and pay for all the costs your salary contributed to.
- What is terminal illness cover? We can’t plan for a terminal illness, but adding terminal illness cover to your life insurance plan will help should the worst happen. Even if you are no longer here, terminal illness cover is a valuable protection to take care of you and your family.
- What is life insurance?
- Life insurance and vaping
- Mental health insurance
- How trusts work when it comes to life insurance Life insurance provides your loved ones with a lump sum of money if you die unexpectedly, which they can use to put towards things like mortgage payments. But unless you put the policy in trust, it may be subject to inheritance tax, of 40%, when you die.
- What happens to someone's debts when they die? No one wants to think about their own death, but if you do die unexpectedly your loved ones could be left with a financial headache if you’ve unpaid debts. These will usually be paid off by your estate but unless you’ve made arrangements in advance, this can be confusing for relatives to deal with when they’re grieving.
- How can I protect my life insurance payout from inheritance tax?
- What are the different types of life insurance? Life insurance pays out a sum of money to your loved ones if you die. There are lots of policies to choose from, from those which just cover your mortgage payments, for example, to those which pay out a sum of money no matter when you die. In this guide, we’ll outline the different types of life insurance available along with the benefits of each to help you decide which one is right for you.
- Your guide to writing a will Although it’s an unpleasant reality to face, writing a will is something we all have to do to ensure our belongings end up in the right hands when we die
- How to claim for a mis-sold life insurance policy Got a nasty feeling you’ve been mis-sold life insurance? Here’s our guide to making a complaint, filing a claim and getting your money back.
- Death-in-service cover Many employers will offer a death-in-service benefit to their employees which will pay your dependents a specific sum if you were to die while you’re on their payroll.
- Understanding mortgage life Insurance: A guide to protecting your home Find out if mortgage life insurance or standard life insurance is suited to your financial and family needs.
- Life insurance for young adults Wondering what age should you take out life insurance? You might think you’re too young to need life cover, but taking out life insurance under 30 could save you money – and protect your loved ones should the worst happen.
- Health Insurance Cover for Heart Conditions
- What is increasing term life insurance?
- How much life insurance cover do I need?
- At what age should I get life insurance?
- Critical illness insurance