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Summary

When you take into account the extra costs of your life insurances, smoking costs more than you think. This article spells out the costs and what the money could achieve if invested .... or what it could buy!

Calling all smokers. A dream ticket for two to Paradise Island - for all of you! Part 2

So as a non-smoker you could be £2,400 per year better off. Wearing a

Life Insurance and Critical Illness Insurance. Cancer tests to increase womens premiums: The life insurance industry seeks approval to ask women for test results that can predict breast and ovarian cancer. This article explains.
Critical Illness Insurance The non-disclosure problem: Critical Illness insurance has been getting a bad press. This article explains the reasons and the truth behind the situation.
Critical Illness Insurance. Concerns for Cautious Customers: The selling of Critical Illness Cover has been under review by the FSA. They are addressing some concerns in their report in an effort to protect the customer.
Life Insurance. Should your policy be written in trust?: Far too few people get their life insurance policy Written in Trust. This article explains the overwhelming advantages
Insurance Are you covered and don't realise it?: It might be worth checking whether you are forking out for two different insurance policies that cover you for exactly the same thing. Selling duplicate insurance policies is, after all, how some companies make their money.
Life Insurance Take a last gasp and count the savings!: If you gave up smoking at least a year ago, this article will help you save lots of money on your life insurance. Essential reading.

Life Insurance News

financial hat I can show you that if a 40 year old man put those savings into a personal pension plan with NFU, then at 5% per annum growth, he'll have a healthy retirement fund of £97,860. On retirement that could give an in the pocket tax-free sum of £24,465 plus an annual lifetime income of £3,830 (or £5,100 per year if the tax-free cash was left in the pension).

On the other hand let's have more fun!

For £2,400 you can have a 5 star 10 day holiday for two on Paradise Island in the Maldives. Give up smoking forever and you could afford to go back to Paradise Island every year!

QED - makes you think doesn't it?

Did you Know?
Under the 1971 Animals Act, dog owners are legally responsible for their animals. So some pet insurance policies also include third party liability insurance for dogs. This means, for example, that if your dog causes a road accident which damages a vehicle, the insurer will pay for the damage.

Today's Tip
Don't buy direct from a Life Insurance Company until you have received at least two life insurance quotes from a specialist life insurance broker. That way you're bound to get a great deal.

Today's Tip
If you get a life insurance quote from your bank or even direct from a Life Insurance Company, you'll probably find it's very expensive. The cheapest quotes are normally available through an online life insurance broker. These specialist brokers search the market for you - so you're almost certain to get a much cheaper quotation.