Life insurance assurance??

kingstreet

I think you need advice - you can't buy stuff like this and hope to get it right.

Some of your cover is best written in trust. You can't get advice on trusts on the net. You need a professional adviser who knows how to structure protection and write it correctly.

Some advisers work on a fee basis, others on commission from the products you pay for. You can find one which suits you in your area here;-

https://www.unbiased.co.uk

naughtyneighbour

Thanks again kingstreet

That site looks really helpful I'll ponder it all at the weekend before I make my decision

Thanks again everyone

stephenni1971

nicola_johnson wrote: »

i was unsure about all the options myself and was recommended by a friend to a company called openlife who give you completely free no obligation advice and arranged my insurance for me- check out their website open-life.co.uk

they also gave me a £50 high street vouchers for every friend i introduced, i ended up with £150 boots vouchers :rotfl:

Pm me if you want more info

spam spam spam

kingstreet

I was wondering if Ms Johnson is in fact Ms McKenzie myself?

Nicola - if you want to give help and advice on here, that's fine but don't try to use the site to tout for business.

magpiecottage

Just a small point - if you choose any life policies which only cover your own life, consider putting them in trust.

In theory this helps to avoid Inheritance Tax - although you may be below the threshold but more importantly the surviving trustees can receive the proceeds without waiting for probate. That means the mortgage can be paid off much more quickly and money is available to meet the needs of the surviving members of your family.