My finances have plummeted this year and I am currently living off my overdraft and my HI has to go or be greatly reduced. I am hoping next year will be better. My head is melted looking at all the plans and options.
Myself (over 40) and my two young kids (age 4 and under) are on Laya CompanyCare Choice at €1,427.52 for me and €394.10 for each child NET, €2,215.72 NET for us all.
My options seem to be:
1. Cancel HI for a year for all three of us.
2. Reduce HI to the bare minimum for the year (or longer) for all three of us.
3. Just insure the kids.
Anyone any reasons why I should pick one over the other?
Anyone know any bare basic plans I could use?
Also if I cut my Laya plan to the bare minimum do I have to abide by waiting periods as I haven’t changed provider?
Any help would be really really appreciated.
Myself (over 40) and my two young kids (age 4 and under) are on Laya CompanyCare Choice at €1,427.52 for me and €394.10 for each child NET, €2,215.72 NET for us all.
My options seem to be:
1. Cancel HI for a year for all three of us.
2. Reduce HI to the bare minimum for the year (or longer) for all three of us.
3. Just insure the kids.
Anyone any reasons why I should pick one over the other?
Anyone know any bare basic plans I could use?
Also if I cut my Laya plan to the bare minimum do I have to abide by waiting periods as I haven’t changed provider?
Any help would be really really appreciated.