 What happens if I want to make an insurance claim but there was a gap in protection on my policy? |
| I have got response that I should report an accident to my insurance company but at that time I wasn't insured. My policy was cancel but I just got it reinstated today. The accident was ... |
|
 LIC Policy suggest me good policy ? |
| my age is 28 year,& i want to take one good lic policy.i am unmarried plz suggest me good policy for that,... |
|
 Is Direct Travel insurance a O.K company to insure holiday with? |
Its for a 2 week break 2 mexico.
just wanted to know if its a established,respectable company thanks?... |
|
 Anyone know whats going on with my insurance quote? |
| I am REALLY confused about these quotes i got, i have my test booked for the 10th of december and i am thinking about insurance so i got a quote for me on my dads car, the original quote for me (... |
|
 Holiday insurance for 5 adults one child? |
Where can I get cheap insurance for my family of six travelling to Florida next year.
Two parents
One son aged 24 - working
Daughter and Son - both full time students aged 19 and 21... |
|
 Will anthem blue cross blue shield cover this surgery? |
lapband or/and gastric bypass
its the kentucky one, which i guess they are all pretty much the ... |
|
 Should companies be allowed to use your family health records to determine your coverage and rates? |
| I was reading recently that insurance companies are now using family history to calculate rates and even deny coverage where they can perceive a loss or bad investment. I believe most corporate ... |
|
 Life insurance? |
| I would like to get life insurance, I am single, going to be 23 years old, I dont need anything major but i would like enough to pay off all of my bills and student loans, if something should happen. ... |
|
 Insurance claim? |
| Has anyone ever had problems getting their insurance company to pay out on a diamond ring that has been "posted" down the drain by their 2 years old?... |
|
 Aetna insurance? |
| I recently got health care coverage through my work. i was told from a friend/employee that i have to wait a year before i can get pregnant. my husband and i are ready to have another child asap. i ... |
|
 Heater burned hole in carpet can i claim insurance? |
| So i am in a rented property and i used the landlords electric portable heater one night, placed in on the carpet, the element in the heater must have fallen to the bottom, its a really flimsy design ... |
|
 How much does smokers life insurance cost? |
for lets say a 45 year old male wanting $200,000.00
Additional Details
$250 per month for what dollar amount?... |
|
 Americans: Do you know Zionist Australian billionaire Frank Lowy made a billion dollars due 9-11? |
| He is the shopping mall magnate behind "Westfield" shopping centres and was leasing the retail areas of the WTC 7. One month or so before the attacks he magically had the bright idea to ... |
|
 Is it discrimination for an home owner's insurance company? |
| to use your credit score as a price guide...after all your paying them and they arent lending you money..so what gives..how do the insurance companies know that the credit rating are accurate and ... |
|
 Independent agent vs. Allstate.? |
| I have been an Allstate Customer for years, but people tell me I could get insurance much cheaper through other agents (combined home, auto,motorcycle). When I was younger I always bought cheap ... |
|
 What homeowners and auto insurance do you recommend? |
| I am shopping for homeowner's and Auto insurance. Progressive is the cheapest, and I like the fact that they cover pets that are riding in your car too. I am looking at them as well as A... |
|
|  |
Dazza | Are there any over 40s life policies in the Uk? |
Often there are ads on TV for guaranteed over 50s life insurance plans where everyone is accepted without a medical. Is there anything similar for over 40s? |
 |
 
greatbrickhill
|
Scullion is right in his remarks about the Insurance Coy playing the over 50's. Like every firm they are in business to make a profit and that means trying to get the whole market of differing age groups.
Now, it is clear to me that you do require Life Assurance for whatever reason; I would ask whether you are in a Trade Union because their members do get a better deal because of the cost benefits to the Company/Society so you should try that route first if applicable. Don't dismiss Insurance Brokers because they do the work to get you a decent policy at reasonable cost..
I spent 30 years in banking and I wouldn't recommend that you go the Banking route because they want the profit and will bug you for all other possible sales - Bank branches are Sales Outlets nowadays.
You seem to have a worry about a medical; you should jump at the opportunity to get a Free Medical (the Company pay for it if required). They may just satisfy themselves by a simple letter from your Doctor.
What I would do is to get a few quotes from the big companies. They will want to know the Capital sum; the Length of Time; whether it is With/Without Profits or just a policy for Whole Life. YOU are the only one who knows the answers to these questions. It'#s a pity you did not expand your question to show what your particular requirement is. Perhaps you actually require a Mortgage Protection Policy? if so you may wish it to be for a Reducing Term . . . ie as the years pass the amount outstanding on the mortgage will fall.
I further suggest that you go to the Search Engine to get the contact details on these Companies;_
Prudential Assurance; Legal & General; Standard Life; Norwich Union (Aviva); Scottish Widows; Ecumenical Assurance. There are many others but these are a good mix. ONE thing you should be asking for in the case of a With Profits Policy is the Estimated Maturity Value because this will show the individual companies investment policy for future earnings.
I realise I have said a lot but just keep re-reading then do the necessary |
|
Ian M
|
try Saga |
|
Omgitshim1
 |
Most people in good health appreciate policies which underwrite. It is usually cheaper.
When there is guaranteed acceptance, there can be a higher overall cost for each individual person accepted on normal terms.
It is not a bad idea generally, as it would only mean that all the policies accepted are treated as if they are all impaired lives. This usually means that that they are accepted, but on special terms. In other words it costs more for everyone, not just those with 6 weeks left to live.
You may find that there are some exclusions for cases where you have been diagnosed with a life threatening illness. |
|
welcome news
|
You have to watch these adverts - in most cases you have to live for over a year before you qualify for the benefits - otherwise you just get your money back.
You can take out proper life insurance at any aget - and probably get better cover than these 50+ policies - why not contact a local financial advisor? |
|
Bharat P
|
your best policy is to try to get a life policy from your bank or try the high street , depending on your health and if you are married or not , you might get a good deal if you are married so you can both have one each, the permimum might be slightly higher . because your age.
good hunting |
|
scullion
|
The over 50s policies do not offer any advantages - It's just a marketing ploy. You can usually do better by shopping around for a normal, bog-standard policy. No doubt someone will sell you a, over-40s policy if you ask around, but I really wouldn't bother. |
|
ManicMajor
|
The Over 50's Plan is for taking money off you for your future funeral plans, your lucky to get anything back at that age, its a ploy just to get money off the older people and can be a lot more expensive in the long run, my wife and I tried it and we found out the hard way, so i would suggest you ask a solicitor or your bank or go online and see if you can get a bit of a better deal. If you want one for funeral costs be weary. Otherwise leave it for now, you won't die for a while yet, maybe when your a bit older you'll get a better deal from some firm later |
|
awoodworm@btopenworld.com
|
You mean you've survived that long in the UK - congrats |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 6 minutes(s) ago
| | | |
8 | 15 minutes(s) ago
| | | |
7 | 19 minutes(s) ago
| | | |
8 | 49 minutes(s) ago
| | | |
8 | 1 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
8 | 8 hour(s) ago
| | | |
8 | 2 day(s) ago
| | | |
7 | 3 day(s) ago
| | | |
8 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
