LIFE REVIEW COULD SAVE THOUSANDS

The cost of life cover has fallen by around 40% over the last few years and consumers could be wasting thousands of pounds by not reviewing their policies.
In 2008 life insurance has continued to fall, along with critical illness. Providers are currently reviewing their terms to broaden their terms of critical illness.
Income protection has remained relatively static, but it is still possible to save money, especially if the policy was not one of the cheapest on the market originally.
Many people have given up smoking over the last 12 months and could potentially find a cheaper premium.

AS LIVING COSTS RISE, PROTECT WHAT'S MOST IMPORTANT

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  Most of us are tightening our belts and feeling the effects of the credit crunch. You may be looking to reduce your monthly outgoings or find ways to save money. Here are a few ideas to help:
  
  Review the current interest rates you’re paying on your credit cards and loans and switch to a better deal if you can.
  Check your current council tax banding – is it up to date or are you paying too much?
  Go green – use low energy light bulbs or a cooler washing machine cycle.
  
  You may also be thinking about what’s most important to you. Would your home be adequately insured if you were diagnosed with a critical illness, or if you died? If you have a family, could they maintain their lifestyle and keep a roof over their heads?
  
  Peace of mind at an affordable price
  
  Now’s the time to consider protecting your biggest investment – your mortgage.
  
  Whether you’re a your professional who’s recently climbed onto the property ladder, or a mature couple making your final move, you’ll want to be sure your home is safe of the worst should happen. And a simple life cover product has the potential to give you that peace of mind at an affordable price.
  
  Did you know?
  
  Nearly 50% of individuals spend between £1 and £5 a week on the National Lottery, pools, bingo or other form of gambling*. That could work out to £20 a month. Why not see how much life cover you could get for the same amount?

Introduction

Hi my name is Trevor and I am a Independent Financial Adviser. I have been advising people since the late 80’s, married with 2 grown up children. Since the late 90’s I have run my own company, Fisher Brown.

This is a great medium for finding information for those hard to grasp subjects or those that immediately pick up a book or go to read a newspaper article your eyes glaze over.

From time to time I will post details of money saving tips so that you can guide yourself through the maze of financial services.

Credit Crunch

What better opportunity for evaluate your outgoings:-

Review your mortgage – if you’re not ties in there are some tremendous fixed rates out there various main street lenders, if you have 40% equity in your property e.g. Loan to value 60% you can fixed your mortgage at just over 4%
If you can continue to pay your existing amount when interest rates are dropping, this will reduce your capital.
Fix your mortgage at under 5% for 10 years
You will find all these rates in the national press at the weekend.

All my blogs are my personal opinion and does not constitute as advice.