what insurance should i get

Bigsmak

emma.cook3 wrote: »

Thanks for all your advice, I have thought about it and I want my family to have regular income til my youngest is 21. I want this to apply if I die or if I lose my income for any other reason. I do get 100 days full pay and 100 half pay though if I get sick with my present job. I would rather them have a small amount each month but cover every eventuality. I have spoken to several insurance agents but they all talk a lot and seem to want to sell as much insurance as possible. I got a quote for £136 for life and critical illness and it was only for 60,000. I think I would be better off saving this amount in an isa each month or something, then I would definitely get some money whatever happens.

Would family income benefit cover all this or is income protection and life assurance better and if so, how do I compare lots of quotes so I get the best price?

Do you need the same amount of life and CI cover?

If you put money in an ISA and you die next month, you will have £136 saved. This is not going to see your children have an income until they are 20...

Where did you get the quote from? Insurance Sellers are not the best option for you, you should speak with an Independent Financial or Mortgage Advisor