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vici | Personal insurance to pay off house if one of the other of us die, we are in england? |
i think our insurance is expensive
we bought the house three years ago for £120,000 but at the time i had a bit of mental illness so just took out the insurance that was offered at the time
i feel well enough to change now just to save money
i want it to cover loss of job due to illness
one of us dies
if one of us gets cancer, leukaemia or other chronic illness
i would like the house to be paid off, or personal injury
i am married
can i buy this sort of thing on a comparison web site
what is some good questions to ask
thank you for your help
please explain the answers simply because i am no expert in this area bit simpleton really
thank you for your help
xxx vici |
 |
 
rory the tiger
|
go www.moneysupermarket.com and look for life insure, decreasing inline with your mortgage payments. they will compare all deals. Ive just saved a fortune with mine by switching to norwich union. |
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Al
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Yup, that's the kind of product I deal with at work.
You want a policy that has Life, Critical illness (CI) and Premium Payment (PP).
This will pay out a lump sum to pay off your mortgage if either of you die or get one of the designated "critical illnesses" (each company has different illnesses that are covered, so that would be one of the questions you need to ask). The PP will cover the cost of premiums if you lose your job.
Ideally you want CI to be "own occupation" definition, not "work tasks", but this will be affected by what job you do and your health. So check you are getting own occupation.
Since it's for a mortgage, you need the pay out to be decreasing and not level (this means the sum assured decreases with the outstanding balance of your mortgage which is cheaper than level cover).
Other than that, it's just a case of checking round to find the best deal. One thing I should say is you need to be completely honest about all the health questions they ask, so find out about your family history because this will be asked about. I've seen many claims not paid because someone hasn't been honest with their answers and it can be heartbreaking. |
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JUSBEINDAVE
 |
Your insurance is expensive but there are several reasons for this.
The first is that the deal you get from your mortgage provider is a money spinner for them and reflects poor value for money for you.
The second is you are too high a risk with your medical history. Not so much that you might die but that yo might be unable to earn. |
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leambi
 |
You can get this cover on comparison websites but i would recommend that you speak to either an insurance broker or a mortgage broker as most will have exclusions that you need to take into consideration, make sure that you read all the small print before you sign anything. |
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wiseghy
|
while I am a simple "colonist" on the left side of Atlantic, I will take a shot at this, since the issue is fairly straight forward, no matter where you are.
You need life insurance to pay off financial obligations, pay for funeral expenses, allow for a grieving period away from work and replace the income that would have been earned by the deceased spouse. Choose an amount of insurance that will allow you to accomplish these goals. You will need two policies, one for each of you, and the policies will be subject to medical questions and, in all likelyhood, a simple "on-site" medical exam (conducted by a para-medical professional; a type of nurse) to assure that you are both in good health. The exam is simple and focuses on Blood Pressure, medical history questions and drawing samples for testing.
The price you pay will be very much determined by the results of your medical history, the exam and your overall ages. Life companies, so work with a local agent who can work with any number of them to find the best deal. |
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Nigel M
 |
vici,
As previous posts have stated you need some different types of policies to get the types of cover you want. Try going to http://www.best-online-insurance.co.uk/ . They cover home, life, pet & car insurance. You can compare different providers and they have common questions and answers on insurances.
It is important to shop around and be prepared to switch insurers to save money. I check mine at least once a year to make sure I am getting the best deal.
Nigel. |
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Duffer
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I think that you are looking for mortgage protection insurance. Comparison websites may cover them, but your mortgage lender probably has a deal, after all it's in their interest too. |
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goforit
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Usually an endowment mortgage will pay off the loan if one of you dies, thats why they are slightly dearer than straight payment mortgages. I suggest you take out some life Insurance while you are young as its cheaper in the long run, but make sure its enough as in 15 - 25 years time as any future payout will be worth less as future inflation rates may de-value your policy. |
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xx Sweetie xx
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Sorry hun well over my head I let hubby sort these things out. Arent you good to even want to take an interest. |
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