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Critical Illness Cover Decreasing
Posted on February 5th, 2011 in All Posts, Critical Illness Cover, Life Insurance for Mortgage Protection.A decreasing critical illness insurance policy is just a form of decreasing term insurance which is looked at in the linked article. However instead of just covering life insurance these policies also cover critical illness insurance definitions or critical illness only. The most popular use of these policies is to use them to protect debt [...]
Family Income Benefit with Critical Illness Cover
Posted on February 5th, 2011 in All Posts, Critical Illness Cover, Life Insurance for Families.For many having a lump sum in the event of a critical illness is a good and also a bad thing. The problem is that the critical illness cover payout should be used to either pay off a mortgage, replace lost income until the plan holder recovers or be used to pay for expensive treatment not [...]
Critical Illness Cover Insurance Definitions
Posted on February 4th, 2011 in All Posts, Critical Illness Cover, Term Life Insurance.Life insurance companies cover various critical illness definitions. These can vary between insurers. Sometimes having the cheapest price cover can mean reducing the benefits that are offered. As a specialist in life insurance and critical illness protection we will compare not only the cheapest cover but the one that gives best overall value for your [...]
Should you have Guaranteed or Reviewable Premiums for Life Insurance?
Posted on February 4th, 2011 in All Posts, Critical Illness Cover, Term Life Insurance.Term Life Insurance and Critical Illness Insurance can either be on a Guaranteed basis or a Reviewable premium basis. The terms relate to the monthly premium. Life insurance companies monitor claim rates and if claims are higher than the expected they will need to increase their premiums to ensure they continue to make a profit. [...]
Types of Decreasing Term Life Insurance
Posted on February 4th, 2011 in All Posts, Life Insurance for Mortgage Protection, Term Life Insurance.Decreasing term life insurance has many uses. One of the most common is for mortgage protection. We will look out how this policy works.
Single Life Insurance Verse Joint Cover
Posted on February 2nd, 2011 in All Posts, Life Insurance Advice, Life Insurance for Families.Normally with a joint term insurance policy, should one of you need to claim for Life or Critical illness then the policy finishes after the claim has been made. However should you both die at the same time, perhaps in a car crash, then the policy still only pays out the sum assured once. However [...]
About Me
This is the site and Blog of Damian Youell. I am a fully qualified financial adviser. I believe that many life insurance consumers are missing out on important and valued advice that can be gained from using an IFA.
I specialise in offering more complex policies such as business protection, relevant life policies etc. However I still believe that even for the simple term insurance policies consumers can benefit from financial advice.
Feel free to contact me. The site makes it quite easy to book and appointment, email or ring.
