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"At 26, I won't consider life insurance as I think the longest term I could get is 50 years and if I didn't die before the age of 76, I've paid all that money in for fuck all to get nothing in return and life ASSURANCE (which is a life-long policy) is about £40-50 a month which I simply can't afford. I decided instead to make sure my funeral was paid for, write a will and put whatever I can afford to each month into ISA's in the kid's names. - Amy. x" Nobody takes out life insurance hoping to ever claim on it. But the older you are when you take out a policy the more expensive it is. 25-35? Non smoker? No pre existing conditions? You can get about £100k cover for about £6 a month. Comes in handy if life shits on you and you get hit by a bus. Anyone with kids really should get at least some basic cover. If the worst happens bills don't halve just because there's only one parent left (or none in many cases). A | |||
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"At 26, I won't consider life insurance as I think the longest term I could get is 50 years and if I didn't die before the age of 76, I've paid all that money in for fuck all to get nothing in return and life ASSURANCE (which is a life-long policy) is about £40-50 a month which I simply can't afford. I decided instead to make sure my funeral was paid for, write a will and put whatever I can afford to each month into ISA's in the kid's names. - Amy. x" But surely the point is that you have one for the period for which your family would need it if you did die. Say till your kids are grown up. Why would you need it for 50 years? Mine lasts the length of my mortgage. | |||
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"I've got 3 kids. I've been dead twice. I'm insured up to the eyeballs, I have a will in place and even chosen the music for my funeral. No point in avoiding the inevitable." Did you know they make coffins now where you can get music played into it after you're buried? So the real question is, have you chosen THAT music yet? ![]() | |||
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"At 26, I won't consider life insurance as I think the longest term I could get is 50 years and if I didn't die before the age of 76, I've paid all that money in for fuck all to get nothing in return and life ASSURANCE (which is a life-long policy) is about £40-50 a month which I simply can't afford. I decided instead to make sure my funeral was paid for, write a will and put whatever I can afford to each month into ISA's in the kid's names. - Amy. x Nobody takes out life insurance hoping to ever claim on it. But the older you are when you take out a policy the more expensive it is. 25-35? Non smoker? No pre existing conditions? You can get about £100k cover for about £6 a month. Comes in handy if life shits on you and you get hit by a bus. Anyone with kids really should get at least some basic cover. If the worst happens bills don't halve just because there's only one parent left (or none in many cases). A" Which company is that with? As the most amount of cover I can find is £33,000. x | |||
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"At 26, I won't consider life insurance as I think the longest term I could get is 50 years and if I didn't die before the age of 76, I've paid all that money in for fuck all to get nothing in return and life ASSURANCE (which is a life-long policy) is about £40-50 a month which I simply can't afford. I decided instead to make sure my funeral was paid for, write a will and put whatever I can afford to each month into ISA's in the kid's names. - Amy. x But surely the point is that you have one for the period for which your family would need it if you did die. Say till your kids are grown up. Why would you need it for 50 years? Mine lasts the length of my mortgage." Good point. I don't have a mortgage or anything but I guess a few grand would maybe help towards living arrangements. Will look into it. x | |||
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"Chances are even when you die the insurance company won't pay...if insurance companies pay every claim they would go out of business within the first year how do you think they make a profit?" I've been trying to work out how these 50+ policies advertised everywhere can make financial sense for the companies - unless they're relying on lots of people abandoning their policy. | |||
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"I've got 3 kids. I've been dead twice. I'm insured up to the eyeballs, I have a will in place and even chosen the music for my funeral. No point in avoiding the inevitable. Did you know they make coffins now where you can get music played into it after you're buried? So the real question is, have you chosen THAT music yet? ![]() How many songs do I get to pick? | |||
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"I don't have insurance my funeral is paid for though, I feel that's all I need to make sure I don't leave anybody in debt when I go " You could offer your body to your local university anatomy dept. That'd save a few grand. | |||
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"I don't have insurance my funeral is paid for though, I feel that's all I need to make sure I don't leave anybody in debt when I go You could offer your body to your local university anatomy dept. That'd save a few grand." You have to pay the university in a lot of cases now, same for body farms. | |||
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"I don't have insurance my funeral is paid for though, I feel that's all I need to make sure I don't leave anybody in debt when I go You could offer your body to your local university anatomy dept. That'd save a few grand. You have to pay the university in a lot of cases now, same for body farms." Definitely not at Glasgow Uni. | |||
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"I'm worth a lot more dead than alive....financially ??" so is my ex mwah ha ha ah ah | |||
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"I'm worth a lot more dead than alive....financially ?? so is my ex mwah ha ha ah ah " I'll be watching the local news then ![]() | |||
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"I've got 3 kids. I've been dead twice. I'm insured up to the eyeballs, I have a will in place and even chosen the music for my funeral. No point in avoiding the inevitable. Did you know they make coffins now where you can get music played into it after you're buried? So the real question is, have you chosen THAT music yet? ![]() Good question. Guess I'll have to do more research before I invest ![]() | |||
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"At 26, I won't consider life insurance as I think the longest term I could get is 50 years and if I didn't die before the age of 76, I've paid all that money in for fuck all to get nothing in return and life ASSURANCE (which is a life-long policy) is about £40-50 a month which I simply can't afford. I decided instead to make sure my funeral was paid for, write a will and put whatever I can afford to each month into ISA's in the kid's names. - Amy. x Nobody takes out life insurance hoping to ever claim on it. But the older you are when you take out a policy the more expensive it is. 25-35? Non smoker? No pre existing conditions? You can get about £100k cover for about £6 a month. Comes in handy if life shits on you and you get hit by a bus. Anyone with kids really should get at least some basic cover. If the worst happens bills don't halve just because there's only one parent left (or none in many cases). A Which company is that with? As the most amount of cover I can find is £33,000. x" Pop on money savings expert. There's an example quoted there - £200k cover for a thirty yr old non smoker. Just over £7. Shop around online. Simple level term life only cover is easy to source and set up on a non-advised basis. You only really need to plan cover until your kids are grown up and no longer dependant on you, unless your partner doesn't work and is also a dependant. It's not as if you need to make plans to spend the dosh yourself! ![]() | |||
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"Chances are even when you die the insurance company won't pay...if insurance companies pay every claim they would go out of business within the first year how do you think they make a profit? I've been trying to work out how these 50+ policies advertised everywhere can make financial sense for the companies - unless they're relying on lots of people abandoning their policy." Check the small print. You rarely get a payout that equals your contributions. You're better off sticking your money in an isa than getting an over 50's plan! A | |||
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"At 26, I won't consider life insurance as I think the longest term I could get is 50 years and if I didn't die before the age of 76, I've paid all that money in for fuck all to get nothing in return and life ASSURANCE (which is a life-long policy) is about £40-50 a month which I simply can't afford. I decided instead to make sure my funeral was paid for, write a will and put whatever I can afford to each month into ISA's in the kid's names. - Amy. x Nobody takes out life insurance hoping to ever claim on it. But the older you are when you take out a policy the more expensive it is. 25-35? Non smoker? No pre existing conditions? You can get about £100k cover for about £6 a month. I made it till 39 before I claimed on mine after an accident. Policies weren't cheap but piece of mind is priceless Comes in handy if life shits on you and you get hit by a bus. Anyone with kids really should get at least some basic cover. If the worst happens bills don't halve just because there's only one parent left (or none in many cases). A" | |||
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"Did get some good advice. Do not let your bank do your will...they take their chunk before anything gets divvied up...bad times " Only if you appoint them as executor. If it's just them writing it for you? It's simply that! My bank did my last one and I'll be re-writing it next month. And I'll get them to do it as its free. A | |||
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"On this subject what age should you be before you actually insure your kids lives ?? ( being practical n hope never ever to use it !! ) xxx ![]() My daughter has been covered from birth, after losing a child and wife some years back I know that your life might stop but the bills don't. ![]() | |||
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"Not always as straight forward as don't have it. I tried to get it and was turned down due to my weight. My weight is in part linked to a medical condition and part down to me. The medical condition wouldn't affect me getting insurance cover. I am generally a healthy person, I exercise (shock horror a fatty who exercises!) only eat lean meet and eat lots of vegetables. Anyway I digress I was turned down by no less than 3 insurance companies and I was offered one (over the phone by a patronising twat!) for a unaffordable amount. Therefore I don't have life insurance. I do however have a NHS pension which does pay out on death. Paul is insured well, planning the trip wire as we speak ![]() Funny how most men are worth more dead than alive ![]() | |||
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"............. Therefore I don't have life insurance. I do however have a NHS pension which does pay out on death. Paul is insured well, planning the trip wire as we speak ![]() ![]() When you add up the price of a few houses, a nice car, what's left in a pension pot etc ......... it soon mounts up. Even the price of a good watch will pay for a funeral, if you haven't donated your body to the anatomists ![]() | |||
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"On this subject what age should you be before you actually insure your kids lives ?? ( being practical n hope never ever to use it !! ) xxx ![]() ![]() That's terrible x never nice losing loved ones x ![]() | |||
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