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    Life insurance for over 80s?

    Hi NoRegretsCoyote All valid points. Asking oneself whether the insurance 'remains good value' or indeed wise when all factors are considered is of course the objective. However, apart from the relative value the policy might bring to my Mother in the event of my Fathers death, how else can...
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    Life insurance for over 80s?

    Thanks Sunny - yes, I was aware that the government were to conduct a review. Hopefully their definition of the term 'review' is more palatable than that of those insurance companies who provided some of these RWOL policies.
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    Life insurance for over 80s?

    Thanks Leo - I would argue, why would someone need to point out 'as a fact' that for someone at the age of 81 'death is around the corner'? This is (statistically speaking) common knowledge isn't it - thus, how helpful was it and therefore why say it? Rather than go back and forward on it, Im...
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    Life insurance for over 80s?

    Bronte - I would consider insurance companies who currently have hundreds of elderly people with these policies over a barrel (and by that I mean, little or no option but to lose virtually everything they have contributed or pay very, very significant premiums) as scandalous. The following may...
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    Life insurance for over 80s?

    Hi Brendan, Sorry just picking this up now. Basically, the objective of this WOL policy was for him to leave my Mam some sort of 'financial/living support' upon his death - simple as that really. Obviously the big kick to the teeth here is that he (and many, many like him) has invested so...
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    Life insurance for over 80s?

    Hi, I was wondering if anyone is aware of any of the 'more reputable companies' who offer life insurance to those over 80 years old? My Dad is 81, currently has a unit linked, whole life policy with New Ireland and is being fleeced (in my opinion!). I would like to see what alternatives might...
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    Cornmarket AVC

    Perfect - thanks for the clarification Early Riser. Much appreciated.
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    Cornmarket AVC

    Thanks Early Riser. I am just trying to clarify if the Supplementary Pension is paid up to 65 or 68?
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    Cornmarket AVC

    Hi - Regarding the Supplementary Pension - Is this something that is paid by ones employer (within the specified conditions) up to 65 or 68 if opting to voluntarily retire at 60? Not being entitled to the State Pension until 68 means I am unsure whether I would have to fund a gap between 65 and...
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    Other Income Protection Plan - opinions?

    Thanks a lot Liam, I appreciate that. My preference at the moment would also be FF. However, I am slightly hesitant, as I am wondering if Aviva's recent take over of FF will have any negative consequences on future claim payouts etc. Anyone have any thoughts on this?
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    Other Income Protection Plan - opinions?

    Hi - I too am in the process of looking at Income Protection with a deferral period of 13 weeks up to aged 60. I have reviewed the literature of IL, FF, Aviva and R.L. I was wondering, (a) Cost aside, is there anything in particular I should be looking out for when making a final decision on...
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    Independent Professional Financial Advisors on public sector superannuation schemes?

    Hi Partnership - my overall experience with this company was poor at best. While my initial consultation was useful, the efforts they made to act on my instructions (following the initial consultation and subsequent communication by email and phone) was non existent. Based on my personal...
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    Advice on your will for €50 during "Best Will" week

    Thanks for the link to the template Brendan.
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    Advice on your will for €50 during "Best Will" week

    Agreed - however it would be nice to have a standardized starting point (in terms of structure and cost) that has been approved and made available by solicitors/law society.
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    Advice on your will for €50 during "Best Will" week

    The vague and wide ranging costs associated with making a simple straightforward will is most unhelpful in my view. I would imagine that the vast majority of wills are not in any way complex. Why do solicitors not provide a standardized template (suitable for such cases) that could be purchased...
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    Public Sector AVC - Do I have to go through agent specified by Trade Union?

    Thanks Oysterman... I am reluctant to leave any of my current fund with my existing provider. Aside from having it for long enough and the other reasons I already outlined, my thinking is that my funds are more likely to perform better with a provider who has a better range of funds that suit...
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    Public Sector AVC - Do I have to go through agent specified by Trade Union?

    Thanks for the input Rainy Day. My understanding is that existing and future contributions are simply moved to fund allocations of my choice which are then managed by my chosen agent. You raise a good point about checking with my HR Dept. as to whether they can deduct monthly contributions...
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    Public Sector AVC - Do I have to go through agent specified by Trade Union?

    I make monthly contributions to an AVC via my unions group scheme through salary deduction. Having done some research, I believe I can get better service, value and performance from a different AVC administrator to the one utilised by my union and therefore would like to be able to do so. On...
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