{"id":483,"date":"2019-04-12T10:47:06","date_gmt":"2019-04-12T08:47:06","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=483"},"modified":"2024-04-23T12:09:16","modified_gmt":"2024-04-23T10:09:16","slug":"life-insurance-separating-fact-from-fiction","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/life-insurance-separating-fact-from-fiction\/","title":{"rendered":"LIFE INSURANCE SEPARATING FACT FROM FICTION"},"content":{"rendered":"

I get cover at work \u2013I don\u2019t need more<\/strong><\/p>\n

The amount you\u2019re covered for might not be sufficient for your needs, and if you change jobs, that will change too. Plus, with your own policy the cover can be tailored to your specific needs.<\/p>\n

I\u2019m not a breadwinner, so I don\u2019t need insurance<\/strong><\/p>\n

The bill for replacing all the services homemakers provide \u2013 like cooking, cleaning and childcare \u2013 can amount to a hefty sum. If you weren\u2019t around to provide these, then your partner could face considerable additional costs. Many people hope their wider family would rally round, but raising a young family is costly, and relatives won\u2019t have planned for the added expense.<\/p>\n

It\u2019s too expensive<\/strong><\/p>\n

Not so. Life insurance is far less expensive than many people imagine. We can help you find a deal that fits your budget, and you can always take out additional cover later on.<\/p>\n

I don\u2019t have kids, so it\u2019s not relevant to me<\/strong><\/p>\n

Whilst it\u2019s true that there\u2019s less need if you don\u2019t have a family, how would your partner manage if you weren\u2019t around to contribute to the bills?<\/p>\n

I\u2019m too young to need cover<\/strong><\/p>\n

Protection policies aren\u2019t just for older people, and the younger and fitter you are when you take out a plan, the cheaper the premiums will be. Leave it too long and you could find yourself paying a much higher price.<\/p>\n

There\u2019s too much choice<\/strong><\/p>\n

It\u2019s true there are lots of different types of policy, each designed to provide cover for specific risks. That\u2019s where we can help. We can find the right type and level of cover to meet your insurance needs and your budget.<\/p>\n

\ud83d\udea8 Data accurate as of the date of publication \u2013 12.04.2019.<\/p>\n

\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n

\n

Source: Intrinsic Quarterly Magazine Q1 2019 ISSUE 11 \u201cLife Insurance. Separating fact from fiction.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

I get cover at work \u2013I don\u2019t need more The amount you\u2019re covered for might not be sufficient for your needs, and if you change jobs, that will change too. Plus, with your own policy the cover can be tailored to your specific needs. I\u2019m not a breadwinner, so I don\u2019t need insurance The bill […]<\/p>\n","protected":false},"author":1,"featured_media":480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"\nLIFE INSURANCE SEPARATING FACT FROM FICTION - Prestige Financial Advisers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pfadvisors.co.uk\/en\/life-insurance-separating-fact-from-fiction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LIFE INSURANCE SEPARATING FACT FROM FICTION - Prestige Financial Advisers\" \/>\n<meta property=\"og:description\" content=\"I get cover at work \u2013I don\u2019t need more The amount you\u2019re covered for might not be sufficient for your needs, and if you change jobs, that will change too. 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