/ life insurance

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AdCo82 on 25 Jun 2012
Who out of the house owners has life insurance?

Recommend me a good one that is cheap but respectable.

Cheers,

AT
Minneconjou Sioux - on 25 Jun 2012
In reply to An Triubhas:

You need to go to a good broker. You need to understand what products are out there and get life insurance to meet your needs. If you only need one to cover your mortgage then fine but I would still get proper professional advice.
ablackett - on 25 Jun 2012
In reply to An Triubhas: I spent ages talking to a broker, then, can't remember why, but went with these http://www.summit-fs.co.uk/ Rock climbing gets very complicated with other companies and you end up answering lots of questions about "how high" you climb (pitch length or altitude?) and what grade you climb (currently, or aspire to?).

Summit seems to understand climbing.
Trangia - on 25 Jun 2012
In reply to ablackett:

I remember going through this mire of misunderstanding when my first child arrived and I decided to take out life insurance,

One company would only accept me provided I only did climbs without ropes!

When I took out a critical injury policy the company wasn't too bothered by climbing. When I asked why they said that if you fall you're dead, so there will be no critical injury exposure.
Flinticus - on 25 Jun 2012
In reply to An Triubhas:
Major life companies may attach an exclusions for death arising from climbing, so you're choice may be limited.

Do you have any 'death-in-service' cover with your employer (if you are employed)?
Nutkey on 25 Jun 2012
In reply to An Triubhas:
> Who out of the house owners has life insurance?
>
> Recommend me a good one that is cheap but respectable.
I went with Aviva. I didn't go for anything specialist, because I don't climb that much. I got the impression that they didn't much care about anything below VS (useful, I've never lead higher than that). Once I changed my answer to "How high" `(it means "Length of climb", not "altitude") the quote became reasonable.

Oh, and I got it because I have kids, not because I have a house!
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