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carrieann&JJ
Age : 36 Join date : 2010-08-20 Location : northampton Posts : 524
| Subject: i feel old now!! Sat Jan 22, 2011 1:07 am | |
| yesterday i went to the bank and i took out life insurance £100k to go to jj if anything happens to me.
i felt so old taking it out even thou i am only 22yrs.
anyone got life insurance? xx |
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GuestGuest
| Subject: Re: i feel old now!! Sat Jan 22, 2011 1:15 am | |
| Yes, oh and I both have it (arranged by oh) I would never be sensible to arrange it especially when I was 22! You're very sensible and not at all old! xx |
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carrieann&JJ
Age : 36 Join date : 2010-08-20 Location : northampton Posts : 524
| Subject: Re: i feel old now!! Sat Jan 22, 2011 1:19 am | |
| my husband got it on himself with the bank. i thought cause i been through cancer and not long got the all clear.. anything could happen now and i dnt want jj to be left with nothing. i feel old xxxx |
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olliesmammy
Age : 34 Join date : 2010-09-13 Location : Wales Posts : 4970
| Subject: Re: i feel old now!! Sat Jan 22, 2011 1:20 am | |
| I'm going to be doing the same when sproglet comes along, you just don't know whats going to happen x |
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GuestGuest
| Subject: Re: i feel old now!! Sat Jan 22, 2011 2:03 am | |
| I am worth more dead than alive If OH and I pop it at the same time Wil is going to be very rich (although I am not sure even my money obsessed OH would swap money for his mum and dad) |
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pixel
Join date : 2010-09-07 Posts : 2006
About Me! My Name: Status: Mummy Number of Children: 0
| Subject: Re: i feel old now!! Sat Jan 22, 2011 2:19 am | |
| we keep meaning to since having Arwyn. i must be worth more dead too cos i'm worth nothing just now |
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GuestGuest
| Subject: Re: i feel old now!! Sat Jan 22, 2011 2:25 am | |
| - pixel wrote:
- we keep meaning to since having Arwyn. i must be worth more dead too cos i'm worth nothing just now
hehe made me giggle! xx |
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LisaAdmin
Age : 44 Join date : 2010-08-15 Location : Shropshire Posts : 8964
About Me! My Name: Lisa Status: Mummy Number of Children: 1
| Subject: Re: i feel old now!! Sat Jan 22, 2011 2:44 am | |
| I am supposed to be sorting it - I have got the quotes, just need to send the paperwork off
At first I was just doing Dan, but they advised me that if I die then he will still suffer financially as will need help with Izzy - so I will be but not so much as Dan. |
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carrieann&JJ
Age : 36 Join date : 2010-08-20 Location : northampton Posts : 524
| Subject: Re: i feel old now!! Sat Jan 22, 2011 3:14 am | |
| i am worth more dead and alive lol.... but its worth well having i think... i have got the life insure very cheap £5.45 a month!! x |
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LisaGandAmelia
Join date : 2010-08-17 Location : Cheshire Posts : 3186
About Me! My Name: Lisa Status: Mummy Number of Children: 1
| Subject: Re: i feel old now!! Sat Jan 22, 2011 3:44 am | |
| I'm lucky that I get it as part of my flexible benefits at work. Dave has more than me meaning that if he kiffed it I'd be mortgage free but if I kiffed it he'd have enough for childcare and a chunk off the mortgage.
We also have personal accident insurance, some sort of permenant/terminal illness insurance (?) and group income protection. |
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snoopy21
Join date : 2010-08-20 Posts : 5101
About Me! My Name: Status: Mummy Number of Children: 1
| Subject: Re: i feel old now!! Sat Jan 22, 2011 4:12 am | |
| I got it when caitlin was about 3mths old (I was 25)! My mum is very anxious about £££ and couldnt rest until I got it (maybe I should worry about my safety around her! ). I think mine is for £100k and is payable if I die before Caitlin is 25. I think I pay about £6/7 a month and if I dont die we get nothing. I found it so complicated once I looked into it.... eg some pay out a % at end if you dont die, some pay half if you get seriously ill, others you need to pay more each month to make sure the £100k stays inline with inflation.... Im pretty sure mine will run with inflation but if I stay fit and healthy we get nada, thats what I hope happens! |
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mandy
Age : 44 Join date : 2010-08-18 Location : Surrey Posts : 2710
About Me! My Name: Mandy Status: Mummy Number of Children: 1
| Subject: Re: i feel old now!! Sat Jan 22, 2011 4:23 am | |
| We're both very well insured, I think having worked in the banking industry and seeing how it affects people when they don't have it makes me even more aware. I never forget a couple coming in to see me to check their policy and they took out life insurance but not critical illness and he had a stroke and she had cancer, so neither of them could work, they were in negative equity so we ended up repossessing eventually, I felt awful for them sitting in my office begging me not to take their house away and there was nothing I could do. That was 6 years ago now and I've never forgotton them, so I'm covered for just about everything! |
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snoopy21
Join date : 2010-08-20 Posts : 5101
About Me! My Name: Status: Mummy Number of Children: 1
| Subject: Re: i feel old now!! Sat Jan 22, 2011 4:33 am | |
| Oh that sounds so sad mandy I dont have a mortgage so 100k seemed a reasonable amount to get insured for, particularly as im not working at present and the payments are a 'luxury' so to speak. Im guessing I could take out a 2nd policy if my circumstances changed in a few years, or one with a mortgage mandy? |
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LisaGandAmelia
Join date : 2010-08-17 Location : Cheshire Posts : 3186
About Me! My Name: Lisa Status: Mummy Number of Children: 1
| Subject: Re: i feel old now!! Sat Jan 22, 2011 4:49 am | |
| That's what it's called - critcal illness. That poor poor couple |
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Kate
Join date : 2010-08-15 Location : West Midlands Posts : 1349
About Me! My Name: Kate Status: Mummy Number of Children: 1
| Subject: Re: i feel old now!! Sat Jan 22, 2011 9:24 am | |
| Mandy that i so sad, it must have been horrible for you too!! I havent got the critical illness thing as it seemed very expensive, i might have to relook at it xx |
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carrieann&JJ
Age : 36 Join date : 2010-08-20 Location : northampton Posts : 524
| Subject: Re: i feel old now!! Sat Jan 22, 2011 8:26 pm | |
| poor poor couple.... thats wht i dont want to happen if my illness appears again and it was very bad... my insurance covers me through my cancer.
for 37years then i can renew it again after! x |
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