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Life insurance policy

  • 30-12-2012 11:35AM
    #1
    bewhiched
    Registered Users, Registered Users 2 Posts: 733 ✭✭✭


    Hello hope someone in this field can help. I am looking for a life policy for my hubby who smokes and is 39 and myself who doesn't smoke we are looking at a very good policy if god forbid if something happened to either one we the mortgage be sorted etc. thank you in advance


Comments

  • #2
    cookie1977
    Registered Users, Registered Users 2 Posts: 6,794 ✭✭✭cookie1977


    Go speak to an independent broker. There's a lot as you can imagine to life assurance.


  • #3
    bewhiched
    Registered Users, Registered Users 2 Posts: 733 ✭✭✭bewhiched


    Yes I will just have to find the right one that won't add on stuff we won't need thank you or the reply


  • #4
    cookie1977
    Registered Users, Registered Users 2 Posts: 6,794 ✭✭✭cookie1977


    I'd agree it is a mine field. For what it's worth I used Irish Mortgage Corporation. They did deal with New Ireland, Irish Life and friends first. I was happy with them. I tried to do as much research in to the policy's that were on offer to me and I read the T&C's but the options can be mind blowing.


  • #5
    bewhiched
    Registered Users, Registered Users 2 Posts: 733 ✭✭✭bewhiched


    Yeah just would like the Morgage covered if anything happened and money for buried etc Jesus when your in your 20s thisis the last thing on your mind!!! I have just email Irish life maybe to see what they offer?? I will try your one also thank you again


  • #6
    Liam D Ferguson
    Registered Users, Registered Users 2 Posts: 542 ✭✭✭Liam D Ferguson


    Some tips: -
    • Only go with fixed-cost policies - never ones where the cost can be reviewed
    • Irish Life will only quote you Irish Life rates - shop around
    • Before signing up for anything, make sure that you're 100% clear on WHY you're signing up to a particular amount of cover. Don't just pick a random round figure. Your advisor should go through your specific circumstances with you and explain why a certain level of cover is what you need.
    • Avoid policies that offer life insurance and savings combined. If you want insurance, buy insurance. If you want to save money, save money. Policies that claim to do both don't do it efficiently.
    • Before signing up for anything, make sure you know what cover you already have. Did you not sign up for Mortgage Protection life cover when you got the mortgage? Do either of you have Death in Service or Income Protection cover in work?


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  • #7
    skippy2
    Registered Users, Registered Users 2 Posts: 393 ✭✭skippy2


    Second Liam on the Income Protection
    Check Irish Life record on paying out on some of their insurance products before signing anything. Just check on boards to see what experiences people have


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