Life cover - reduce your premiums. Page 2

Author: Dot Piper

The lucky individuals who have already gathered together a

Buying Life Insurance? One tip to save you thousands!: Life companies keep their initial quoted prices low by being choosey on who they accept on standard terms. Having made a formal application, two thirds of applicants will face a loaded premium. This article explains why and what the shopper can do about it choose an online broker!
Keyman Insurance. insures some of your biggest businesses risks.: Keyman insurance is a necessary cost of a small business but it is often missed. The author explains why such an omission could be disastrous to your business.
Life Insurance. Why does less than half the UK population have cover?: There are still lots of families without life insurance cover. This article investigates the reasons.
Critical Illness Insurance. Big changes on the horizon: Critical illness insurance is beginning to price itself out of the market. But moves are afoot to bring in Menu Pricing. This will enable you to select which illnesses you want to insure against and you simply pay for that level of cover. This article explains.
Mortgage Payment Protection Insurance The Dos and Donts: If you're considering Mortgage Payment Insurance or want to know what it does, then this is an essential read.
Group Critical Illness Insurance - The cheaper alternative to Keyman Insurance.: If your business has found Keyman Insurance to be too expensive, take a look at Group Critical Illness Insurance. At around half the price it's a snip.

large pension will have to do their sums to make sure that their PTA doesn't go beyond lifetime limits, as set down under the PTA rules. Any payout from PTA (on death) will be added to the fund value and if the total exceeds £1.5m, 55% of the sum over this amount will be taxed at 55%, unless your spouse chooses to buy a pension with this sum.

Even if you already have conventional life cover in place, you could make big savings by switching to PTA, particularly if you have a large sum insured. You ( car insurance ) should check carefully as there may be features in your present cover which you may lose by switching. Also do keep your present policy going whilst you are arranging until everything is in place for your PTA.

If you're a taxpayer and currently without life insurance cover (assuming you're not lucky enough to risk going over the £1.5m lifetime pension limit!) then PTA could save you ( cheap car insurance ) precious money.

There is no shortage of companies offering these PTA products. The easiest way to purchase them is through the internet - an internet broker will have all the information ( best mortgages ) to hand to guide you through the process and will arrange a number of quotes for you, according to your circumstances.

It's well worth looking into - and good for your pocket.