Someone wise once said that life is really simple – but we insist on making it complicated. The same could be applied to life insurance. Too many people like to mystify it with technical jargon or claim it’s unaffordable. Some dismiss the need for it at all, while others think savings alone would be an easier way to leave behind a lump sum for their loved ones when they’re gone.
In an attempt to clear up some common misconceptions, we’ve addressed five of the main ones below. They offer quite simple reasons why life cover might be worth reconsidering. In a nutshell, it’s a straightforward way of protecting your partner or kids financially if you die. But it’s more than just a money thing. Yes, it could cover the mortgage if they’re dependent on your wage or meet the cost of the funeral. And yes, it could foot the bill for childcare or even pay off a debt. But ultimately, it’s also about giving your family peace of mind at one of the most difficult times in their lives. It’s about continuing to look after them – just as you’ve always done.
The things we do for love! Cheering from the side-lines when they’re 6-0 down; overlooking the messy bedroom while they’re cramming for exams; Justin Bieber concerts; shaking hands with their first boyfriend through gritted teeth; the ‘taxi’ to swimming lessons twice a week; the packed lunches; and the after-school ‘artwork’ we pin on our fridge doors...
You look out for your loved ones every day. Maybe we can help keep up the good work when you’re gone.
Ruth Taylor, 45, is a mum of two who was diagnosed with breast cancer back in May 2016. We are honoured to share her journey from initial diagnosis, informing her family, through to chemo and radiotherapy. She hopes to raise awareness and educate others about breast cancer, while firmly kicking cancer back where it belongs. This is the tenth instalment in her guest blog.
The next thing I recall was waking up in a fairly large room and being aware of a number of medical staff near me. They asked if I could hear them and if I was feeling sick. I soon started to come round properly and I was taken from the recovery room back to the ward and my room. I remember them telling me that I had been given morphine for the pain while I was still under anaesthetic and once that wore off they would give me other painkillers to keep me as comfortable as possible.
Hate running? It isn’t for everyone. If the thought of pounding the pavement leaves you cold, research published in American Heart Association Journal shows that walking has just as many health benefits as running. In fact, studies show it’s better for you than high-impact exercise because of increased risk of injury – walking is gentler on the joints.*
Regular walking has been shown to reduce the risk of heart disease, type 2 diabetes and it can also help maintain a healthy weight and is proven to boost mood and memory. Walking outdoors can add extra challenges when you have to work against the wind and uneven surfaces, too. And, best of all, walking is free and available to everyone.
If one of your resolutions for the dawn of the bright new decade is to take better stock of your finances, getting on top of your car insurance is a great place to start.
With the average price of a comprehensive policy coming in at £815, according to the most recent Confused.com figures , getting covered can put a lot of pressure on the purse strings. And as it’s a legal requirement, there’s not a lot of leeway to wriggle out of paying. Fortunately, there are plenty of ways to shave money off your policy. Even small savings can add up over the course of a year. Read the following six tips for a better idea of how to make your money go further.
Thursday 4th February is World Cancer Day. What is it? Well it’s a global event, uniting the world’s population in the fight against cancer.
The aim is to raise awareness and education about the disease, pressing the government and individuals across the world to take action, and hopefully saving millions of preventable deaths each year.
Thursday 4th February is World Cancer Day. What is it? Well it’s a global event, uniting the world’s population in the fight against cancer.
The aim is to raise awareness and education about the disease, pressing the government and individuals across the world to take action, and hopefully saving millions of preventable deaths each year.