Tag Archives: life insurance

A real life sad story. What if it happens to you?

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I am currently helping out someone in a tragic situation. Gemma (not her real name) is having to deal with a legal and financial nightmare.

Her husband died in an accident a couple of months ago, leaving her with two young children.

Apparently, they had said in passing that they needed to get their family finances sorted, to get wills and some life insurance, but they never got around to it.

Now she has to deal with the mess left behind and needs to support herself and two children on one income.

It is going to be hard.

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What if it does happen to you?

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Imagine receiving news that can totally change your life in an instant.

No one knows what is around the corner. No one knows what will go wrong in their life, when illness will hit, when a breadwinner will die.

You can’t know what will go wrong but you can plan for it. You can be prepared for when life takes a wrong turn.

In the past three months alone, I have some across two cases where a parent has become very, very seriously ill. Both in their 40s. Too ill to work, probably not for many years, if they even survive. They have young children.

Now both families are in trouble as they have expenses and no, or significantly reduced, income. The last thing they need is money problems on top of everything else.

You do not want to be in this situation. And you don’t need to be if you take steps now.

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Critical illness insurance – two short videos to explain why you need it

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I have written about critcal illness cover many times and I am a big believer is protecting yourself as as you never know what is around the corner.

Being seriously ill, whether you get cancer, have a heart attack or a stroke, or one of the many other illnesses covered, can financially derail your life, your plans, and lead to  major difficulties in supporting your family.

In this article i just want to give you some facts and general information in visual form.

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A short story about protecting your family…

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Your family is important. Your children are important. When you have dependents and loved ones, you want to make sure that they will be financially okay, no matter what happens.

Have a watch of this short clip to understand why you need to have life insurance.

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A flight to bricks & mortar? Options to invest in UK & European property

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In an uncertain world, it is understandable that we have seen an increase in property as an investment class. People have always liked investments that they fully understand, or can see and touch. Property markets are not equal and the legalities and potential for growth and/or income vary hugely but Europe still presents many opportunities for long-term investment and yield.

Recent surveys have shown that many expats are keen to invest in property in their home country either as they consider it a more secure place than where they are currently living or as a potential base should they need to move back.

The recent upheavals in work, schooling, lifestyle and more has made many reflect on the lives that they want to lead, and to consider future plans. Initially, I saw an uplift in enquiries for wills and life cover, and while these are still popular, I am now being contacted by people about property investment in the UK and Germany. Fortunately, I can assist with both and you can invest without leaving home.

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Is your family financially protected if you die? Six common errors.

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If you die and leave your family behind, you can’t stop the heartache, but you can make sure that they don”t have financial worries, that they can stay in their home or have enough money to relocate, and that your children can continue their education. Protecting your family in this way, should the worst happen,  is one of the kindest things you can ever do for them.

There are various reasons why people don’t take out life cover so in this short article I want to address some of these.

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Life Assurance and Coronavirus – your questions answered

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With the spread of COVID-19 around the world, it is no surprise that people have queries about their existing life policies and that we have seen an uplift in applications in recent weeks. People have also been asking specific questions. Is it still possible to get life cover? Will my existing policy cover COVID-19? Will my premiums increase?

In this article I want to give you answers to many of the common questions I am being asked at this time.

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Expats in The UAE & Money. 10 mistakes you want to avoid

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This articles has been update so please see the below link for the article from August 2024

Living in the UAE. 10 major money mistakes you want to avoid

Living in the UAE. 10 major money mistakes you want to avoid

 

 

 

Life cover for your family – is it critical?

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I could give you the quick answer of yes but that would make for a very short article. Instead I want to provide a little information about the types of cover and benefits so you can make an informed decision about what is best for you and your family. This is your guide to pretty much everything you need to know about life cover and associated benefits

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