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Most companies will claim that they’re the one with the cheapest UK life insurance rates. While this claim may or may not be true, one thing is certain. Selling life insurance is extremely competitive. Thousands of companies and independent sales...Read More

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Life insurance is a type of insurance that pays a sum of money to the beneficiary of the insured person only if the premiums of insured are in progress. It works like all other insurance policies. In life insurance insured person ensures his life...Read More

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You can get easy quotes online The resources are there but it seems that most websites that you see look like fly-by-night operations. If this rings true it is because you are right. Most sites that you will see while looking for an online...Read More

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Aside from the fact that a whole life insurance policy will insure you for the rest of your life, one of the main reasons people choose to purchase whole life insurance policies is because of the cash value they accumulate. If you’re interested in...Read More

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"Life Insurance" - Should Be "Death Insurance" But They'd Have A Hard Time Selling The Policies

Phew that's one heck of a long title, [perhaps I should have broken it up, but it might have ended up sounding like the screen play to some cheap TV Docu-drama).

However I digress.

In the film, Crazy people, Dudley Moore plays a jaded copywriter who ends up in a Sanatorium after he decides to produce ads devoid of hype.

Such is the nature of the film these advertisements are a roaring success and before you know it he is back on the treadmill again.

One of the highlights of this film for me is the campaign for Volvo Cars and I paraphrase here, "They're ugly but they might just save your life in a crash!"

Well it's the same with Life Insurance. Here is a product that Insurance Companies and agents the world over are desperate for you to have some of, it's going to be quite expensive, it's not going to benefit you in your lifetime and when you do die the Company that sold it to you is going to do their darnest to wriggle out of paying out to your dependents!

However to be a morally responsible and upstanding person who takes his or her obligations seriously you've got to have some. There is no getting round it.

So, how does this impact upon Debt Consolidation you ask? How have I managed to contrive such a tortuous link?

Well the reason is simple. If you are in the unfortunate position of having to put some sort of composition of Creditors together or some sort of Debt Consolidation Plan together then be very careful about how your advisors or the Courts deal with any form of Life Insurance Plan that you have in place and any potential residual value that any such plan might contain.

The residual value of any such Life Insurance Policy (or Pension for that matter) actually goes some way towards being categorised as one of your assets and as such is subject to the whims and vagaries of any Consolidator should they so wish to try and realise any value. The best tactic to try and remember here if you have to go down this road is to try and enter into some form of horse trading whereby you could offset the value of the early redemption of the Plan against some other part of your estate.

The reason for this is obvious. Any early redemption of a policy like this is going to be subject to a whole raft of redemption penalties and if you are not careful in the stampede to try and liquidate cash to feed your arrangement you could end up losing a whole selection of potential benefits for your family and dependents.

Not worth losing if it can be prevented at all.

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Insurance News – UK Ex-Smokers Reportedly Paying Too Much For Life Insurance.
According to recent life assurance research by Sainsbury’s Bank, many ex-smokers may be paying too much for their life insurance. They assert that during the past 5 years approximately 6.78 million people have given up smoking, however only a...Read More

Life Insurance - Medical History Increases the Cost for 66% of Applicants
Lucky applicants for life insurance can be insured within 48 hours and at the premium quoted - but 2 in 3 applicants are faced with delays plus the prospect of having their premium loaded. So who are the lucky ones? Basically, you'll have to...Read More

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Have you ever wondered what will happen to your loved ones when you die, especially if you are the family breadwinner? This is such a big worry, particularly to those whose children are still very young and their spouse is not working. To secure...Read More

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Life insurance is one of those taboo subjects for normal, casual or friendly conversation. Whenever people, however, develop a life threatening illness, have a close encounter with another vehicle on the highway, or otherwise find themselves in a...Read More

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Save money on life insurance
In some states and provinces, people are choosing to live without insurance because the cost of insurance on an ongoing basis is prohibitive, compared to the chance of dealing with high costs when there is a break-in or an accident. Here are some...Read More

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