If there are medical conditions present it may not be possible to avoid a medical examination or a report from a doctor because without all the facts, life insurance companies are unable to evaluate the risk. Someone who is fit and healthy with no medical conditions or health problems is unlikely to need a medical [...]

The two main reasons people take out life insurance are: 1/ Family 2/ Mortgage Mortgage life insurance also provides protection for the surviving family. With the mortgage cleared the family can remain in their home without having to struggle to pay the bills on the income of the survivor. If the survivor is a housewife [...]

Is there any benefit in couples each having their own life insurance policy? The simple answer is yes. There is more benefit but it may not be entirely necessary. e.g. Let’s start with Mr. & Mrs. Jones, a mortgage of £100,000 and a life insurance policy for £100,000 over 20 years. If Mr. & Mrs. [...]

In order to borrow money there are various types of loans available and the rules and expectations vary from creditor to creditor and from bank to bank. The majority of loans are grouped into two main categories: secured loans and unsecured loans. There are various types of secured loans, the two major ones being home [...]