Author Archives: Ian Le Petit

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The Future of Life Insurance

Customers’ requirements from their insurance policies have changed considerably in recent years. We have talked before about the impact of medical advances on how providers respond to people’s health circumstances. The fact that we are all living with previously life-threatening conditions and living longer overall means that we need to be covered in circumstances where […]

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Decoding your finances – Why being on SVR is bad for your mortgage

Typically, people re-mortgage in order to take advantage of better rates when they reach the end of a fixed-rate mortgage term, which typically lasts between two and five years. If the fixed rate period ends without them putting a new plan in place they will usually be moved to a Standard Variable Rate (SVR), which […]

Which insurance suits your situation?

Mortgage Protection Insurance, or Accident, Sickness & Unemployment (ASU) insurance are policies that cover specific payments. Whether you need one of these or more general life insurance depends on what you need the pay outs to cover. All types of insurance are optional, but you may want to consider the impact of your death, or […]

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Pre-existing medical conditions don’t always stop you getting life cover

Life expectancy has risen in the UK, and much of the developed world, to the mid-eighties. Couple that with advances in what medicine can achieve and previously life limiting conditions are now manageable, sometimes for many years. This means that life insurers have had to review their view on how they approach conditions that they […]