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  Category: Articles » Articles by Author » Author: Michael Challiner
Results 1 - 26 of 26 [1 Pages]  
1.Life Insurance premiums put the squeeze on fat people
Once again overweight people are in the firing line. Life insurance companies are raising premiums up to 400% for fat people. They've always charged more for those who clearly over-eat, but during the last year or so the penalties have got worse ...
[Added: 31 Jan 2006   Hits: 511   Words: 691]

2.Foreign Currency Mortgages - take advantage of some of the worlds lowest interest rates but the risk
In the UK over 99% of borrowers raise the mortgage they need to buy their home in sterling and pay the prevailing UK interest rate. But there are alternatives. Despite increases in 2005, the UK's domestic interest rates ...
[Added: 31 Jan 2006   Hits: 363   Words: 790]

3.Mortgage Payment Protection Insurance 11 Top Tips
A mortgage is a long-term financial commitment and you have to maintain the monthly repayments for the full duration of the mortgage. That's going to be over many years but non of us have the benefit of a ...
[Added: 31 Jan 2006   Hits: 393   Words: 847]

4.APR, AER and EAR are terms used in financial advertising. What do they mean?
Have you ever scanned the acres of financial advertising and wondered what APR, AER and EAR really mean? You'll invariably find one or another of these terms in every advertisement for a lending or savings product. Well you're certainly not alone. ...
[Added: 31 Jan 2006   Hits: 378   Words: 754]

5.ReMortgaging - can it still be worthwhile?
Mortgage lenders have a somewhat insulting name for people who switch lenders to for lower interest rates – they call them "Rate Tarts". The author has a much more fitting description – Astute Shoppers! After all, why should you be ...
[Added: 31 Jan 2006   Hits: 329   Words: 462]

6.Big changes on the horizon for Critical Illness Insurance.
In recent years sales of critical illness insurance have flagged. The primary cause is the huge 70% increase in premiums experienced during recent years. For many, critical illness insurance has simply priced itself out of the market. It's not that critical illness insurance ...
[Added: 19 Jan 2006   Hits: 378   Words: 620]

7.Life Insurance - Why does the UK have a 2.3 trillion protection gap?
According to Swiss Re, one of the world's largest re-insurance companies, less than half of the UK population has any form of life insurance protection. They then go on to put a figure on the value of this protection gap. Using an average income of £20,000 ...
[Added: 19 Jan 2006   Hits: 355   Words: 928]

8.Critical illness Insurance - The press are giving insurers a hard time.
Recent stories in the press have again lambasted the insurers over critical illness insurance. The core problem is that a critical illness claim is not as straightforward as, for example, a claim under life insurance. With life insurance it's going to be hard for ...
[Added: 19 Jan 2006   Hits: 278   Words: 1054]

9.Adverse Credit - When is a credit history labelled as being "adverse"?
If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as "adverse". The expressions "poor credit", "bad credit" and "sub-prime" all describe exactly the same situation. This leads to a number of questions; what credit information is collected about you, ...
[Added: 19 Jan 2006   Hits: 369   Words: 865]

10.Buying a second hand car? 19 Tips to avoid getting your fingers burnt.
•  Do your homework. Read up about the model of car you're thinking about. Will it perform as you will want? Be aware of any known mechanical problems with that particular model and remember to check them out when you take it ...
[Added: 19 Jan 2006   Hits: 366   Words: 1014]

11.Pet Insurance - is it a waste of money?
According to a report published by research group Mintel, one in three pets needs an unforeseen visit to the vet each year. This implies you're more likely to make a claim on your pet insurance than on ...
[Added: 10 Jan 2006   Hits: 284   Words: 591]

12.Travel Insurance - few bargains for the over 65's
At last you've retired. It's now time to relax and experience a slower pace of life. Even enjoy spot of gardening. But not all of today's modern over 65's have heard the message! Retirement is taking a new twist. Less of the slower pace of ...
[Added: 10 Jan 2006   Hits: 303   Words: 595]

13.Pet Insurance - suss out the answers to 10 key questions
If your joints and bones are flexible and strong, they move freely. And that means life can be fun and appreciated to its' full. But for one in seven people, movement is hindered by a musculoskeletal problem - back pain, arthritis, osteoporosis, fracture, or ...
[Added: 10 Jan 2006   Hits: 274   Words: 797]

14.Medical Insurance - Sorry, you're not covered!
In the UK around 7 million people spend around £3 billion a year on medical insurance. One in seven policies are taken out by individuals with the balance being put in place by their employers. The problem ...
[Added: 10 Jan 2006   Hits: 289   Words: 1329]

15.Loan cover - watch out for Payment Protection Sharks
The Financial Services Authority (FSA) has been investigating the way Payment Protection Insurance is being sold by loan providers which include some of the UK's biggest banks and building societies. And it's big business. Sales of PPI as it's called, earn lenders more than £1billion a year. ...
[Added: 15 Dec 2005   Hits: 246   Words: 638]

16.Memo to myself - I need Keyman Insurance
Last month I had to drive down to London. I don't like driving at the best of times but the rain, spray and heavy traffic on the M1 made conditions difficult. Radio 2 kept me company and the heater kept me warm. ...
[Added: 15 Dec 2005   Hits: 269   Words: 596]

17.Life Insurance - Smokers and Overweights pay over 50% more!
The life insurance industry is becoming tougher on smokers and those of us who are overweight. When an insurance company calculates its premiums, it has to work out the risk of you dying whilst the policy is in force. ...
[Added: 15 Dec 2005   Hits: 300   Words: 476]

18.Keyman Insurance - Protect yourself against some of your biggest businesses risks.
As a businessman you might have public liability insurance and you insure your buildings, stock and vehicles. You may even have professional indemnity insurance and legal cost insurance. Is that all? What about your other primary assets ...
[Added: 15 Dec 2005   Hits: 278   Words: 639]

19.Glossary of common terms used during the mortgage process.
APR - This stands for Annual Percentage Rate. It enables you to compare the full cost of the mortgage. Rather than just being an interest rate, it includes up front and ongoing costs of taking out a mortgage. The ...
[Added: 25 Nov 2005   Hits: 369   Words: 2531]

20.Life Insurance and Life Assurance are not the same!
The average man in the street assumes that Life Insurance and Life Assurance are names for the same form of insurance. How wrong they are! But don't hang your head in shame, many financial commentators get it wrong too! Life Insurance and Life Assurance ...
[Added: 25 Nov 2005   Hits: 309   Words: 773]

21.Mortgage Protection - easing your biggest concerns.
OK, now you have a lovely new home and with it comes a lovely new mortgage. With the average mortgage advance standing at around £150,000 it's a long-term commitment to repay a lot of money. The repayments also take a fair ...
[Added: 16 Nov 2005   Hits: 354   Words: 1371]

22.Critical Illness Insurance. Do you really need it, or is it a waste of time?
GREAT NEWS! There's now a one in five chance of you winning the lottery before you retire. Getting excited? Think it's just a matter of time before you win? Think again, ...
[Added: 10 Nov 2005   Hits: 281   Words: 814]

23.Offset Mortgages. A dream for well off homeowners.
Offset mortgages represent one of the biggest mortgage innovations seen in recent years. Six years ago there was hardly an offset mortgage to be seen. Now they and the current account mortgage, to which they are closely ...
[Added: 10 Nov 2005   Hits: 304   Words: 897]

24.Buying Life Insurance? One Tip To Save You Thousands!
It's simple, always have your Life Insurance policy "Written in Trust". This may sound technical but it is easy to understand and it's so easy to organise. "Written in Trust" ensures that in the event of a claim, the policy will pay directly to the beneficiaries ...
[Added: 03 Nov 2005   Hits: 261   Words: 373]

25.Buying Life Insurance Online - Is It A Really Good Idea?
The advent of the internet has opened up the possibility of cheaper life insurance for all. In years gone by, if you were considering life insurance you would probably have invited an insurance ...
[Added: 03 Nov 2005   Hits: 268   Words: 354]

26.Life Insurance - Money Saving Top Tips
More and more people are buying life insurance online and the numbers seem to be doubling every two years. The reasons are clear. Prices are lower on the Internet and life insurance is fundamentally a simple insurance product. ...
[Added: 29 Oct 2005   Hits: 267   Words: 1107]