Samdy Gray
Dirty sneaky traitor weasel
 Offline
Posts: 27183
|
 |
« Reply #15 on: Thursday, April 3, 2008, 12:27:04 » |
|
If your single (ie mortgage in your own name and live alone) I wouldnt bother with it as when your gone the house will get passed to Next of Kin I believe (probably wrong) :shock: No no no no no! Mortgage = first charge = house reposessed |
|
|
|
|
Logged
|
|
|
|
Bushey Boy
Offline
Posts: 8351
|
|
« Reply #16 on: Thursday, April 3, 2008, 12:28:42 » |
|
No, your house gets sold then the mortgage company gets sorted, next of kin gets profit? This is why I have an accountant etc to sort these things so I dont worry, mine all goes to nephew (there wont be anything but if there was)
|
|
|
|
|
Logged
|
|
|
|
Ralphy
Offline
Posts: 14190
|
|
« Reply #17 on: Thursday, April 3, 2008, 12:28:48 » |
|
Unless you're married with kids why would anyone need life insuranc? I might be missing the point. To cover a mortgage? |
|
|
|
|
Logged
|
|
|
|
Samdy Gray
Dirty sneaky traitor weasel
Offline
Posts: 27183
|
|
« Reply #18 on: Thursday, April 3, 2008, 12:32:26 » |
|
No, your house gets sold then the mortgage company gets sorted, next of kin gets profit? Yeah, fair point. |
|
|
|
|
Logged
|
|
|
|
Samdy Gray
Dirty sneaky traitor weasel
Offline
Posts: 27183
|
|
« Reply #19 on: Thursday, April 3, 2008, 12:34:35 » |
|
Birdy and I pay £45 a month for joint one with Norwich Union. Doesn't include critical illness, as that would have been nearer £200 but I don't smoke and I'm tee-total so didn't see the point.  Fucking hell  I'm with NU, mines £45 p.m. for joint life cover + CIC. |
|
|
|
|
Logged
|
|
|
|
Ralphy
Offline
Posts: 14190
|
|
« Reply #20 on: Thursday, April 3, 2008, 12:35:45 » |
|
What questions do they ask you when you take out life insurance?
Is it the usual do you smoke? How much do you drink?
|
|
|
|
|
Logged
|
|
|
|
Samdy Gray
Dirty sneaky traitor weasel
Offline
Posts: 27183
|
|
« Reply #21 on: Thursday, April 3, 2008, 12:39:18 » |
|
Absolutely everything about your health, basically anything you've ever been to see a doctor about.
And also your activities e.g. occupation, hobbies, hazardous pursuits, smoking habits, drinking habits etc.
|
|
|
|
|
Logged
|
|
|
|
|
Sussex
|
|
« Reply #22 on: Thursday, April 3, 2008, 12:41:35 » |
|
I only got asked occupation and age. Thank fuck left it at that. |
|
|
|
|
Logged
|
|
|
|
tans
You spin me right round baby right round
Offline
Posts: 26828
|
|
« Reply #23 on: Thursday, April 3, 2008, 12:44:42 » |
|
Would i struggle to get it due to my job or would they be likely to rape the arse off me in monthly payments?
|
|
|
|
|
Logged
|
|
|
|
Bushey Boy
Offline
Posts: 8351
|
|
« Reply #24 on: Thursday, April 3, 2008, 12:45:05 » |
|
Think that explains my 104, the answer about evicting druggies waving needles |
|
|
|
|
Logged
|
|
|
|
Simon Pieman
Original Wanker
Offline
Posts: 36336
|
|
« Reply #25 on: Thursday, April 3, 2008, 12:47:19 » |
|
Unless you're married with kids why would anyone need life insuranc? I might be missing the point. To cover a mortgage? DMR is right. Unless you have a long term partner and/or kids, there is no point in paying for it. |
|
|
|
|
Logged
|
|
|
|
Ralphy
Offline
Posts: 14190
|
|
« Reply #26 on: Thursday, April 3, 2008, 12:47:37 » |
|
I don't smoke, drink socially on saturdays, i'm a postman and keep fit by running and cycling. Mine should be quite low  |
|
|
|
|
Logged
|
|
|
|
Ralphy
Offline
Posts: 14190
|
|
« Reply #27 on: Thursday, April 3, 2008, 12:48:54 » |
|
Unless you're married with kids why would anyone need life insuranc? I might be missing the point. To cover a mortgage? DMR is right. Unless you have a long term partner and/or kids, there is no point in paying for it. So if i died, what would happen? |
|
|
|
|
Logged
|
|
|
|
Bushey Boy
Offline
Posts: 8351
|
|
« Reply #28 on: Thursday, April 3, 2008, 12:49:53 » |
|
Apart from they would get up on teh screen when entering Ralphy the post man:-
CUNT Double premium by order of management
(sorry couldnt resist)
|
|
|
|
|
Logged
|
|
|
|
Simon Pieman
Original Wanker
Offline
Posts: 36336
|
|
« Reply #29 on: Thursday, April 3, 2008, 12:54:30 » |
|
Unless you're married with kids why would anyone need life insuranc? I might be missing the point. To cover a mortgage? DMR is right. Unless you have a long term partner and/or kids, there is no point in paying for it. So if i died, what would happen? Your next of kin will get your estate unless you make a will leaving it to specific people/charities. Your estate will be your assets and your liabilities, but if it's a gift they should be thankful they're getting your house anyway, with or without the mortgage, unless they are of course dependent on living there. |
|
|
|
|
Logged
|
|
|
|
|
