insureU Insurance advice

LIFE INSURANCE

Life insurance can be a real worry. What happens if someone whom you rely on to provide is no longer with us. We've teamed up with one of the UK's leading life insurance brokers to save you time and money. Let MORE TH>N do the running around to find you the most affordable deal from our panel of insurers - which consists of Scottish Equitable, Scottish Widows, Friends Provident and Legal & General. A choice of policies to suit you At MORE TH>N we understand that your needs will change and how important it is to protect yourself, your family and your home. Life Insurance The reassurance of life cover from MORE TH>N means that your family would be able to cope financially if you or your partner were to die suddenly, and you can relax knowing that they are protected.
* Term assurance is one of the simplest and cheapest type of life insurance that you can buy
* Your policy is designed to pay out a lump sum if you die during the term of the plan
* With a LEVEL TERM assurance policy the amount you are covered for will not change during the policy
* Once fixed your premiums will never rise during the period of cover
* It's easy to get a quote and arrange cover with one simple phone call or by using this website.

Mortgage Protection
A mortgage protection policy will mean that your mortgage could be paid off if you were to die during the period of cover, so your family won't have to worry about continuing to pay the mortgage each month.
* Your policy is designed to pay out a lump sum if you die during the period of cover. The amount that is paid will decrease each month or year during the policy period.
* Once fixed your premiums will never rise during the period of cover
* It's easy to get a quote and arrange cover with one simple phone call or by using this website.

Critical Illness
An illness can have a major impact on your lifestyle but with critical illness cover you can at least reduce the financial impact it could have on you and your family.
* This type of policy will pay out a lump sum on the diagnosis of a critical illness, like cancer, kidney failure or a stroke. There are many other conditions that are also covered and we can provide more information about these if you decide to take out this type of cover
* Critical illness cover can be linked to a life insurance or mortgage protection policy. * It's easy to get a quote and arrange cover with one simple phone call or by using this website.

WEDDING INSURANCE

You've booked the reception, the car and the photographer. You've ordered the flowers, the cake and the dress; found the perfect rings and bought the gifts for your parents, bridesmaids and best man. In fact, most people have spent a good £12,000 by the time their big day arrives.

But it's easy for things to go wrong. Insurers are full of stories about stolen presents, grooms waking up with chicken pox, and 'ruined memories' (though we've yet to find a policy to cover that last problem).

So should you add to your costs by buying insurance? Basically, it's not worth it if you're planning a modest, low-key wedding or if you're just worried about specific items, such as your dress. If you're planning something more spectacular, it can be a sensible option - but there are a couple of cheaper alternatives to consider first.

The cover you already have

It's surprising how much cover people have without realising it. There are two main sources to look at.

Dig out your home insurance

Wedding presents, dresses and rings are covered automatically if your cover limits are high enough. Even if they're too low, you can add items to your policy for an extra premium of just a few pounds - much cheaper than taking out wedding insurance.

Most insurers will increase cover for gifts before and after the wedding as standard (this usually gives an additional 10 per cent contents cover).

Pay with a credit card

If you pay with your credit card, you're entitled to compensation from the credit card provider on anything you've bought for between £100 and £30,000. So in lots of cases there's little point in paying extra to get this from a wedding insurance policy. If your venue went bust, for example, you could claim back any money you had paid it from your credit card provider.

PET INSURANCE

Your cherished pet deserves the best care when it is unwell or in an acident. However, the costs can sometimes be very expensive. You can minimise the problem by taking cover for your pet. Please make sure you are aware of what is covered. Some insurers put in hefty clauses. That said, good pet insurance will help in those times of need.

Some of the text above researched from Which Please visit their site at www.which.co.uk

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This web page is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or not make) any decisions. Always obtain independent, professional advice for your own particular situation.