| Page: 1 |
1) Reasons to Maintain Life Insurance
Author:
Insurance Scams
Category:
Insurance
Life insurance is designed to protect your loved ones in the event of your death. Your beneficiaries may be your wife, your children or any other family members or partners with whom you have an emotional and financial obligation.
As a basic guide, consider the following ten items as bona-fide reasons to maintain life insurance:
1. Life insurance will free your family members from the burden of the loss of your income, debts owed, and daily expenses as the continue their lives if you shou...
|
2) Insurance versus assurance; what's the difference?
Author:
Paul McIndoe
Category:
Insurance
Anyone reading about insurance can be forgiven for thinking that the terms 'life insurance' and 'life assurance' are interchangeable, but are there any differences between the two terms and if not, why are there two different words for the same thing?
Put simply "insurance" is provided against an event that might happen whereas "assurance" applies to an event that will happen. So, insurance is a policy taken out against a risk, whereas assurance is one that is taken out against...
|
3) Protect Your Family Against the Loss of your Life
Author:
Adam Singleton
Category:
Home and Family
As if the trauma of losing a loved one isn't massive enough, subsequently finding out that the deceased was not insured against unexpected death and therefore made no financial provision for their family or dependants makes the situation far worse.
The primary concern of any life insurance is the consideration of those left behind following the death of an insured person. Certainly, anyone who owns a mortgaged property which houses their family and is a joint or main breadwinne...
|
4) Consider Comparing Life Insurance Policies
Author:
Adam Singleton
Category:
Insurance
Life insurance is arguably one of the most important insurance policies as it offers protection for family and loved ones. As with all types of insurance, there are lots of different policies on the market so ensure complete peace of mind for yourself and security for your family by carefully comparing the various options available.
Logical factors to think about before starting the search relate to the level of cover you feel you need. You may want to cover your mortgage repa...
|
5) Your Hard Work Pays Off
Author:
Kamyar Shah
Category:
Business
No matter what you hear out in the business world, it is hard to make a buck these days. You need to be able to come up with ideas that no one else has thought of or beat other companies to the punch. If you are looking for a magic fairy to grant you three wishes of success, then you need to return from never, never land.Running a business is hard work. You have to put a lot of your heart and soul into what you do. Many people say that you have to have priorities in life and working o...
|
6) Do I really need life insurance?
Author:
Isla Campbell
Category:
Insurance
Life insurance can be quite a complicated product, especially if it is attached to another product like a mortgage or loan. However, it can also be fundamental to the economic survival of a family in the sad event that the main breadwinner passes away.
Those who have dependents - a spouse and/or children, for example, that rely on a regular income to survive should seriously consider life insurance. Should the main provider die and they have not made provisions, then their family is left not...
|
7) Standard Life performance stuns analysts
Author:
Andrew Regan
Category:
Finance
Only one year after being the target of an abortive take-over attempt by London insurer Revolution, Standard Life has stunned market analysts by announcing a 64% rise in its profits.
In addition to the announced annual results it was the best performing UK insurance stock during the month of February. Full year income for 2007 totalled £465million representing a 21.3 pence rise per share, comparing favourably to last year's figures of £283million, or 13 pence a share....
|
8) With-profits funds about to make comeback?
Author:
Andrew Regan
Category:
Finance
With-profits funds had suffered a decline in popularity over the last decade due to stock market uncertainty and doubts about the value of the product. However, now could be the ideal time for savvy investors to reconsider investing in them, according to some financial experts.
Traditionally the way that most Britons invest, when seeking higher returns from those offered by putting cash into building society of bank saving accounts, with-profit funds offer an appealing simplic...
|
9) Credit crisis could cost 11,000 city jobs
Author:
Isla Campbell
Category:
Finance
The current credit global crisis could cost the UK's financial services industry up to 11,000 jobs, as consumer and business confidence rapidly declines, warns the CBI.
It points to a recent survey carried out by accountancy firm Price Coopers Waterhouse that questioned 79 firms operating in the financial services sector. A whopping 97 per cent of those questioned said they believed that conditions would worsen during the financial year starting April 2008. In addition, nine out of ten of th...
|
10) Homeowner advice - selecting a local reputable tradesman or builder
Author:
Nigel Beswick
Category:
Home Improvement
It is crucial to the success of your home improvement or maintenance project to select a reputable tradesman or builder. The following advice is intended to guide the homeowner through the process of selection to ensure that the homeowners experience is a happy one.
Experience
It is likely that the proposed builder will have experience in his field from working on similar projects to yours in the same local area. So ask neighbours and other tradesmen if you know any if they have some knowle...
|
11) What Is Critical Illness Insurance And Do I Need It?
Author:
Chris Clare
Category:
Insurance
This article will go some way to explaining what exactly critical illness insurance is when and how it can be used and whether or not you actually need it as part of your overall financial planning.A lot of people are fully aware of life insurance and quite a few of them already are aware of the fact that they need some sort of life insurance as part of good financial planning. This is not least when they have a mortgage or a loan to insure. That said considerably fewer of them are aw...
|
12) 'Don't even think of it', warns Insurance Fraud Bureau
Author:
Andrew Regan
Category:
Insurance
UK life insurance companies are becoming so concerned at the amount of false claims that they have issued a reminder to would-be fraudsters of the existence of the Insurance Fraud Bureau (IFB), first launched in 2006.
The life insurance industry is worried that the recent high-profile case of 'canoeist' John Darwin may have put ideas in some potential fraudsters' minds, so is keen to nip any such thoughts in the bud before more people go 'missing', presumed dead.
Alth...
|
13) Pensioners play in the park
Author:
Adam Singleton
Category:
Home and Family
A local park in Manchester has added a playground. That wouldn't normally make the news but what is different about this revolutionary new playground is that is specifically designed for pensioners.
Taking its inspiration from a similar development in Germany, the Older People's Play Area is designed to help strengthen hips, tone leg and stomach muscles and work the upper body. The local residents association on the Dam Head Estate in Blackley set up the playground after listen...
|
14) Peer Pressure on the Teenager
Author:
Ianny Lau
Category:
Kids and Teens
As my daughter turns thirteen, I figure it is time to seek advice on how as a parent I should handle the defining years ahead. I attended a seminar by Ken Sapp on 'Preparing Youth to Handle Peer Pressure'. (See acknowledgement at end of article).In this article, I share some of his main points, and add in a number of ideas that struck me as I ponder the subject.Times have changed since the 1950s. Back then, teenagers were shaped primarily by home, school and faith. In the r...
|
15) Single life insurance offers better value for couples
Author:
Andrew Regan
Category:
Finance
Many in the UK life insurance industry believe that too many couples are opting for joint life assurance or insurance when they would be better off taking out two single-life policies. Indeed, independent company Lifesearch has gone so far as to suggest that many IFAs could be in breach of TCF (Treating Customers Fairly) guidelines by recommending poor value joint life policies ahead of their generally better value single life policies.
To combat any inappropriate selling, Life...
|
16) Make sure you and your home are covered
Author:
Andrew Regan
Category:
Finance
Most Britons aspire to owning their own home, and those about to get on the first step of the property ladder need to ensure that they have all the relevant insurances against mishaps, not just those relating to the home but also to the homeowner.
Buildings insurance is a requirement of any mortgage lender, and it must be adequate enough to cover the entire cost of rebuilding the property. However, many people are unaware that it is not obligatory to have buildings insurance wit...
|
17) Mobile Phone Insurance More Important To Britons Than Life Insurance
Author:
Andrew Regan
Category:
Insurance
A study by Legal and General has found that Britons think it is more important to protect their mobile phone from loss or theft than it is to insure themselves against critical illness, accident or death.The most surprising result from the survey highlights the fact that possessions are more likely to be insured than the person owning them. Most people surveyed, over 54%, had no protection policies whatsoever, while 22% had their phone insured compared to 17% who had critical illness...
|
18) When a dead man turns up alive, what happens to any insurance payout?
Author:
Paul McIndoe
Category:
Insurance
The recent re-appearance of canoeist John Darwin, who had been presumed dead after the coastguard failed to find any trace of him in the sea five years ago, has prompted many questions about his whereabouts in that period, as well as a very interesting one for the UK life insurance industry; what happens if you pay out a claim on someone who comes back from the dead?
There is no indication in this case whether Mrs. Darwin has been the beneficiary of any life insurance payout, so...
|
| Page: 1 |