Hi There
Like almost everyone else in the country we are trying to find ways of saving the pennies these days. And insurance is obviously one way of doing that.
However I am not very knowledgeable on the whole insurance side of things and was looking some guidance.
It just used to be ( as for a lot of people ) get insurance, take what they give me and pay for it. This does not cut it any more.
We have at the moment Life Insurance for myself and my wife for death, critical illness, surgery cover etc.., mainly taken out due to getting a mortgage a few years back. We also have Mortgage payment protection with EBS, for cover if we loss our jobs ( both working ), critical illness, disability.
My wife also has VHI Health Insurance. I do not.
I suppose my question is, is there duplication here? Is there a need for all of the above? Is there anywhere they can be combined? And also if we did have a claim for something like a critical illness would there be an issue that we are covered on 2 policies for it?
A lot of queries I know, but i am so naive when it comes to this that I have made a point of getting my head around this year and getting it sorted.
Is there even somewhere you could call which could give free advice?
Any help appreciated.
Thanks
JB
Like almost everyone else in the country we are trying to find ways of saving the pennies these days. And insurance is obviously one way of doing that.
However I am not very knowledgeable on the whole insurance side of things and was looking some guidance.
It just used to be ( as for a lot of people ) get insurance, take what they give me and pay for it. This does not cut it any more.
We have at the moment Life Insurance for myself and my wife for death, critical illness, surgery cover etc.., mainly taken out due to getting a mortgage a few years back. We also have Mortgage payment protection with EBS, for cover if we loss our jobs ( both working ), critical illness, disability.
My wife also has VHI Health Insurance. I do not.
I suppose my question is, is there duplication here? Is there a need for all of the above? Is there anywhere they can be combined? And also if we did have a claim for something like a critical illness would there be an issue that we are covered on 2 policies for it?
A lot of queries I know, but i am so naive when it comes to this that I have made a point of getting my head around this year and getting it sorted.
Is there even somewhere you could call which could give free advice?
Any help appreciated.
Thanks
JB
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