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Archive for May, 2013

  • When is the best time to start paying into a pension?

    The popular school of thought has always been that the earlier you start paying into a pension, the better, as even a small amount of money will have a long time to grow. However, this view is being challenged by a group of leading pension experts, who believe the reality isn’t quite so straightforward. Unless you’re lucky enough to have a job that offers a ‘defined benefit’ pension, which guarantees a certain level of income based on salary, then at some point you will have to think seriously about your pension. The good news for many: the experts believe 35 is the best age to start saving. Why 35? The study found that perhaps predictably, people’s incomes tend to be at their lowest at the start of their careers, and at this...
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  • Your life insurance options

    Your life insurance options It’s all too tempting to put off important decisions, but when the security of your loved ones is at stake, we think it’s best to act now, before it’s too late. With a range of life insurance products on offer, the choice can be a daunting one, which is why we’ve put together this simple guide to explain exactly what you can expect from each. Whole of life cover The clue to this one is in the name. Whilst some life insurance policies will only pay out if you die before a certain date, whole of life cover provides your family with the financial protection they need whenever you pass away. This particular product is advisable if you are purchasing life cover along with a mortgage, as your family will r...
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  • The myth surrounding life insurance payouts

    The myth surrounding life insurance payouts On the whole, the general public hold a fairly dim view of insurance companies, believing they will do their utmost not to pay out, even when claims are legitimate, but is this merely a myth, a misnomer, or are these views grounded in truth? All too often life insurance companies come in for criticism when they refuse to payout following the death of a policyholder, and if the claims are legitimate, then rightly so, but there are times when insurance companies have every reason to contest a claim, and it is in these cases that life insurance companies are often criticised unfairly. When filling out insurance forms it is essential that prospective customers understand just how important it i...
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