Guide to critical illness cover
When you are critically ill, the last thing you want to be worrying about is whether your home will be repossessed or your how your family will make ends meet. This is where critical illness insurance coverage comes in. It is a policy designed pay out a guaranteed lump sum of money if the policy holder becomes critically ill and is unable to provide for his dependents or service his debt obligations, such as a mortgage.
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Guide to general insurance
Consumer insurance or general insurance is the largest category of insurance available in today’s insurance market. This means insurance coverage for people like you and me. The general insurance market is divided into two broad segments: general insurance and life insurance.
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Guide to Life insurance
Many people feel overwhelmed when confronted with life insurance. It doesn’t have to be that way. Think of it as coverage for your spouse or your dependents, if something were to happen to you.
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Guide to permanent healthcare insurance
Healthcare costs are increasing rapidly along with monthly living expenses. It is prudent for any individual or family to have a good solid healthcare coverage coupled with some form of income protection. Even if you are healthy now, you cannot predict when you or a family member will fall ill and you will no longer have the income to pay your bills.
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Guide to private medical insurance
In the UK, you can receive free medical services through the NHS, but sometimes you may not be able to rely on the NHS. Waiting periods can be lengthy and perhaps the service is not up to the standard you want for you or your family. Because of this, more and more people are turning to private medical insurance, so that they can access the best medical services available, whenever necessary, without having to wait.
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Health and medical insurance
When you’re healthy you don’t really think about being ill and having the right health and medical insurance. However, with increasing medical costs it is prudent to think ahead and have the proper coverage in place for yourself and your family.
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Insurance types
Many people balk at hearing the word insurance, but there is nothing mysterious or daunting about insurance. In fact, buying insurance is a good way to protect yourself from a range of adverse occurrences.
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Life insurance
What is life insurance? In simple terms, life insurance is an insurance policy that provides a lump sum payment upon the death of the policy holder. Having said that, life insurance has come a long way from what it used to be. Nowadays, life insurance policies are closer to investment vehicles, as in many cases the insurance company simply invests your premiums for either a lump sum payment or a monthly payment to begin at a predetermined time. Life insurance is no longer something for old people; it is an investment vehicle that can be used by people in all age groups.
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Motor Insurance
Motor insurance is a legal requirement, but this does not mean that you should get the cheapest coverage available. There are many types of motor insurance and the right one will provide you with significant protection, in the case of an accident. Or if you view your car as an investment, motor insurance will protect your investment against theft or accidents.
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Motor Insurance: choosing the right one for you
Many car owners don’t view motor insurance as something they want to spend any time on, it is simply a legal requirement and every policy is basically the same, right? Well, motor insurance is a legal requirement, but policies are not the same and it is worth investing a little time to get the best and most suitable policy for you.
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Reduce home insurance premiums
For any homeowner, home insurance is an integral part of not only protecting their home, but also their investment. Mortgage companies will in most cases require some form of home insurance to make sure that their loan will be repaid, if anything were to happen to the property.
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Term assurance
One type of life insurance coverage that is available now is called term assurance. This is a variation on the basic term life insurance policy, where you are covered for an agreed period of time and if you die within that period, the insurance company pays out the insured amount. However, the insurance company will not make a payment, if you survive the maturity of the policy.
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Travel insurance
With more and more people travelling abroad on holidays, travel insurance has become increasingly affordable. At these prices, it seems silly not to buy travel insurance, since you never know what can happen when you leave your home.
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