We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
young women's life assurance?
jclm_2
Posts: 50 Forumite
some advice please from people in the know!
before the price hikes, i thought i should look into life assurance. i'm 32, non-smoker, good health. anyone know of any good deals?
i have 2 kiddoes so it would be a good idea, i think.
thanking you xx
before the price hikes, i thought i should look into life assurance. i'm 32, non-smoker, good health. anyone know of any good deals?
i have 2 kiddoes so it would be a good idea, i think.
thanking you xx
0
Comments
-
See an IFA.
Do it quickly. You have less than a month before gender-neutral pricing starts.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
There are no deals as such, insurance is based on risk.
It would be worth speaking to an advisor though, as Kingstreet says you only have maybe 3 weeks before the price changes come into place.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
thanks all - will see an independent financial advisor. does anyone know of any in swansea? how much will the meeting cost? xxx0
-
https://www.unbiased.co.uk and do a postcode search to find your nearest ones.
On insurance the IFA can work on commission basis or fee basis. For small premiums commission will be better value for you. For larger ones, fee will be better value.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
thanks!
is a one-off meeting with the financial advisor likely to cost under £100? as my hubby is very sceptical as he is worried IFAs are working on commission etc, so he doesn't trust them. is that true?
0 -
First meeting is usually free. This is when the factfind is done to findout what you want/need.
At that point they will discuss how they receive their pay - it might be a fee, it might be commission or you may have the choice.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
to be honest, i'd love a general discussion with the IFA about our finances etc as a family but i bet this would cost a huge amount0
-
www.unbiased.co.uk and do a postcode search to find your nearest ones.
On insurance the IFA can work on commission basis or fee basis. For small premiums commission will be better value for you. For larger ones, fee will be better value.
That website is absolutely terribleHi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.3K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards