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ymgc
Guest
I am a 42 year old stay at home mother of 4 : 10 ,9 ,6 and 2. My husband is 44 and earns ca. 120k pa but money always tight. We have 9 yrs left on 85k mortgage tracker with UB . Term life assurance of 120k tied to UB with Caledonian 2167 pm.
Also been sold dual whole of life policy from Irish Life :351k each ,
specified illness 140k , vital care cover 140k, hospital cash cover 212 p day after 72 hrs. Costs 145 p m. No encashment value. Is it best to have twin policy and lower both lives esp mine !! Is vital cover usual ? Seems like we doubling up .... 2 car loans of ca. 20,000. Costs 750 pm between the 2. Same broker sold me Irish life pension of 50 pm . Hope to return to part time work in 2 or 3 yrs.
Also have basic HIBERNIAN WE plan 1 which is going to shoot up on renewal at end of month. Thinking of cancellling it ? Advice please
Also been sold dual whole of life policy from Irish Life :351k each ,
specified illness 140k , vital care cover 140k, hospital cash cover 212 p day after 72 hrs. Costs 145 p m. No encashment value. Is it best to have twin policy and lower both lives esp mine !! Is vital cover usual ? Seems like we doubling up .... 2 car loans of ca. 20,000. Costs 750 pm between the 2. Same broker sold me Irish life pension of 50 pm . Hope to return to part time work in 2 or 3 yrs.
Also have basic HIBERNIAN WE plan 1 which is going to shoot up on renewal at end of month. Thinking of cancellling it ? Advice please