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06th July 2009
Given the uncertainty of the UK economy many people are looking to reduce their outgoings - just to be on the safe side - and insurances may look like an area where costs can be trimmed. However, if you are in that situation, think hard about the possible... Read >
Author: Adam Singleton17th June 2009
As a parent, you are always on the watch to secure your child’s future. Investing for their future needs and requirements becomes your topmost priority. One of the best options to invest is in Insurance policies. As they give you both insurance cover an... Read >
Author: Bimadeals03rd March 2009
Endowment policies are the safest bet when you want to cover your entire family and are a middle class salaried person. Endowment policies are the safest in the sense that the sum assured and the benefits one gets from these polices are pure ones. Various... Read >
Author: Heena Vasnani01st March 2009
Definition for Life Insurance
Suppose if a person who earns money for his family has died, and then Life Insurance provides a method to send back the loss of income to his family after that person is no more. If the person wants his family to be happier... Read >
Author: Termlifeinsurance01st March 2009
Definition for Life Insurance
Suppose if a person who earns money for his family has died, and then Life Insurance provides a method to send back the loss of income to his family after that person is no more. If the person wants his family to be happier... Read >
Author: Termlifeinsurance01st December 2008
In the extensive field which is insurance, life insurance stands out as one of a few which is usually taken out for someone else’s benefit. Insurance covering house, mortgage, valuables, travel etc. is intended to cover the holder against loss as a resu... Read >
Author: michael challiner25th November 2008
Since 1970, the average house price in the UK has increased over 35 times. The cost of the average house in 1982 was just over £26,000 – twenty five years later this has risen to almost £185,000.
Nowadays, mortgages come in all shapes and sizes and... Read >
Author: michael challiner24th September 2008
Very few people like the prospect of organising their life insurance. It's a social reality that arranging a life insurance policy is generally left until as late in life as possible, however there comes a time in life when most of us begin to consider w... Read >
08th September 2008
An explanation of terms commonly associated with buying and selling homes in the UK.
Bridging Loan – a bridging loan is a short term loan taken out to bridge the gap between buying a new home and selling an existing property. The loan bridges the ga... Read >
Author: Rich Bendall17th August 2008
The endowment policy offered by most of the companies in USA is the basic type insurance policy which provides security to the individual members as well as family.
It will provide the security. Endowment policy gives benefits to the family members to ... Read >
Author: Gary Zivkovich12th August 2008
Summary: The life insurance is a policy where one can plan to manage the risks surrounding us. It covers the financial risks which arise due to the early or premature demise of the policy holder.
Life is full of twists and turns, which come unexpectedl... Read >
Author: addi25th June 2008
Endowment mortgages are policies that were marketed on the grounds that they would pay off a person's mortgage once the policy matured. The policy is intended to be a long-term investment whereby the homeowner would pay premiums into the policy – whic... Read >
Author: mpressman25th June 2008
If you no longer need your endowment, either because you have changed your mortgage to a capital and interest mortgage or have been lucky enough to pay off your mortgage using other means, perhaps through an inheritance, you will probably be thinking what... Read >
Author: Daniel Collins04th June 2008
What is the point of life insurance? When you die, you can’t take it with you – right?!
Well, people often have dependents and loved ones who they want to look after if the worst happened. One of the things that death brings is a realisation of a b... Read >
Author: George Carr09th May 2008
Everybody knows life insurance protection is of paramount importance for you. When you visit a life insurance advisor, it is quite likely that he will use some life insurance terms that may be unfamiliar to you. In this case, ignorance is not bliss. It is... Read >
Author: Nail Ramp06th May 2008
Some people tend to think that insurance is more of a gambling game and they fear becoming a victim. However this could be true but definitely a misconception to some extent because insurance should not be generalized. Life insurance quote is not for the ... Read >
Author: Poly Muthumbi01st May 2008
Everybody knows the importance of buying a life insurance. However before buying one, it is essential for you to know some important life insurance terms. Why? So that you can choose the insurance policy that offers a life insurance protection suitable fo... Read >
Author: Nail Ramp01st May 2008
Recently, many of the UK's leading insurance companies announced reduced annual bonuses for With Profit Endowment policy holders, yet another blow for homeowners who took out endowments during the 1980s and 1990s, as they will now see increased shortfalls... Read >
Author: Isla Campbell02nd April 2008
Some people tend to think that insurance is more of a gambling game and they fear becoming a victim. However this could be true but definitely a misconception to some extent because insurance should not be generalized. Life insurance quote is not for the ... Read >
Author: paulina0806th February 2008
Welcome to the final instalment of A Guide to Mortgages. This article looks into the interest only mortgage.
The Interest-only mortgage option
If you choose this option, then the payments you make will only pay the interest and not the outstanding ... Read >
Author: Nick Cox24th January 2008
Interest only mortgages allow borrowers to reduce their monthly mortgage payments by only paying interest on the outstanding loan balance.
Capital repayments are not made on a monthly basis with interest only mortgages. Instead, the payment of the capi... Read >
Author: michael sterios04th October 2007
When applying for mortgages borrowers have the choice of obtaining interest only or repayment mortgages.Interest only mortgages require the borrower to only pay the interest charged each month on the mortgage. The balance of the mortgage remains the same ... Read >
Author: michael sterios02nd August 2007
If you are looking at mortgage protection insurance or MPPI from your mortgage lender, you may find that they only quote you for the cost of covering your mortgage payments.
However, if you lose your income for any reason, your mortgage repayments are ... Read >
Author: Robert Palmer25th July 2007
E is for...
Early repayment charge (ERC) or redemption penalty
If you sign up to a special-rate mortgage and later decide to pay off your loan early, then expect to pay a hefty fee for the privilege of bailing out before time.
Endowment policy
... Read >
18th July 2007
Possibly the worlds least favourite investment is a life insurance policy. This is partly because this is an investment that none of us will ever get to enjoy and partly because it directly relates to our own mortality. However, the joy provided by a life... Read >
Author: Katie Brown15th June 2007
With so many different types of policies available it's important to be able to choose the right one for you and your family so that everything you need to cover is covered, as well as ensuring that you are not paying for any features that you don't need.... Read >
03rd April 2007
A recent life insurance study has led to suggestions that individuals in the UK should look into securing a life insurance policy earlier in life rather than later, in order to effectively invest in and plan for the future.
According to James Harris... Read >
Author: Andrew Regan17th November 2006
These complicated financial products combine life insurance and investment growth in one package. They were most commonly used as a way of repaying a mortgage and were most popular with homebuyers in the eighties and nineties.
The reason so many peopl... Read >
Author: michael challiner15th November 2006
What is your plan for life insurance? Do you know reliable sources of unbiased information?
A wise program of life insurance may save you many hundreds of dollars over the years and give you better protection. Those concerned with the larger problem sh... Read >
Author: Peter Salis18th October 2006
Basic principle of a mortgage is very simple: you borrow money to buy a
house and pay back the loan with interest. However, nowadays there are
so many products available that it can be mind-boggling. Here’s a guide
to methods of repayment and interes... Read >
Author: Benedict Rohan27th September 2006
A mortgage is typically a loan taken in lieu of some property that you own. Many schemes of mortgages are available in the market today. One of them is known as endowment mortgage. An endowment mortgage is one where the mortgage is arranged based on the i... Read >
Author: James Smith21st August 2006
This article discusses the current situation with endowment mortgages in the UK. If you own an endowment plan and have yet to take any action regarding a possible shortfall, you must act quickly to rectify your situation. This document will help you to le... Read >
Author: martin nolan27th June 2006
What Is An Endowment Mortgage?
An endowment mortgage, in theory, is supposed to lower your mortgage payment. Ideally, endowment mortgages are much cheaper than standard mortgage policies such as repayment mortgages. When you get an endowment mortgage... Read >
Author: James Smith18th June 2006
Property development is big business. The rash of TV programmes about home makeovers and renovations reflects our current obsession with property as a way to make big bucks, quickly. It may seem a failsafe way to make a killing – buy a shabby house, paint... Read >
Author: Joseph Kenny09th June 2006
Endowment mortgage is a type of mortgage where you need not pay the principal amount you have borrowed from the lender, during the term of the loan, you would be paying only the interest and as well as the premium for the endowment policy you have taken. ... Read >
Author: Jim Glu03rd June 2006
Interest only mortgages have become more and more popular in the past few years – probably as a result of the rise in house prices. With this type of loan, you pay off only the interest, so that your monthly repayments are lower than they would be with a ... Read >
Author: Joseph Kenny
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