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    I hear alot of people say 'oh yes I have Life Insurance already' but do you know if it is right for you right now? Life never stays the same.

    So here is a list of reasons to review your insurances:
    • A house move - have you borrowed more?
    • When you borrow more on your house
    • A new job - has your pay gone up? Has your job typed changed?
    • An increase in outgoings - did you take the maximum income protection out available to you or was it less?
    • A new baby or child that is dependent on you - you can also have critical illness for them if you haven't got it already.
    • Children moving out and no longer financially dependent
    • An increase in surplus income - perhaps you have a better budget for your insurance needs now

    These are just some of the reasons. As our lives change its important that our insurances reflect what we really need.

    My husband and I recently reviewed and updated ours following a house move. We kept elements of our cover and simply topped some of them up.

    You can book a 40 minute review here

  2. This is a question I was asked recently and it is a good one.

    In this blog I would like to share my thoughts on this because I am certain other people have thought the same.

    The first thing that springs to my mind is that none of us know when 'our time is up' so it is difficult to say for certain whether we would be able to save up enough money to provide either a partner/spouse or child/children with and in time. 

    Consider how much you would like to leave your family with, it might be a lump sum or it might be a monthly income. How good would it feel to know that if the worst did happen that your family will have financial support and won't be affected too much by the loss of your income? If you are a single parent this becomes even more important because I know that both my husband and I would want to ensure my daughter's legal guardians would have a monthly income atleast until she is no longer financially dependent on them (if something happened to both of us). This would help them to feed her, clothe her and keep a roof over her head aswell as to enjoy taking her out without worrying about money.

    How much would you need to save each month and for how long?

    Life Insurance starts at just £5 a month and as an example for someone who is 40 years old, they could take out a policy which pays £1000 a month for 25 years for just £10 a month. In comparison, thats £12,000 year which really isn't long enough so saving that and more would be difficult for the average family.

    I would love to know your thoughts on this.

    Please call me on 07851685944 or e-mail me [email protected] to find out more and to receive a personalised recommendation.

    - Leanne