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Think of your regular outgoings each month, they probably include some or all of the following, and perhaps additional ones not listed: Mortgage or rent Bills Car and other travel costs Medical bills for you and your family Your pension Loan repayments Travel and holidays To feed, clothe, school and entertain your children Sports and […]

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News of yet another British holidaymaker stranded in a Thai hospital has hit the headlines this week and, sadly, it is for all the wrong reasons. 51 year old Kathryn Williamson was holidaying in Thailand when she collapsed with seizures and was rushed to a Bangkok hospital. She remained there in a coma and on […]

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The cost of life insurance will vary wildly from one person to another. The premium of a non-smoking 20 year old female will be significantly less expensive than a 60 year old twenty a day smoking male and the blunt reason why is that the latter is far more likely to die than the former. […]

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Last week was World Cancer Day and Cancer Research UK released new figures showing that cancer death rates in the UK have dropped by 10% over the last decade. The big four cancers – breast, bowel, lung and prostate – are essentially becoming less deadly due to early detection and diagnosis as well as advances […]

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When we become parents, suddenly life becomes a minefield of ‘what ifs’ which our little bundles need to be protected against. What if they were to fall down the stairs? What if the cat was to sit on their adorable sleeping head and suffocate them? What if they put their inquisitive fingers in the plug […]

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We have talked about the importance of critical illness cover in protecting your family against the possible consequences of contracting a serious illness in previous blog posts. Medical advances have led to earlier diagnosis of critical illnesses such as cancer and heart disease which in turn have raised survival rates. That is clearly great news […]

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What do you think is your most valuable asset? Your property? Your car? Your retirement fund? All those things may be worth a lot of money, but they are still almost certainly worth less than your most valuable asset: you and your ability to earn over the course of your lifetime. Say you are 40 […]

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Life insurance is a confusing subject for many, which is one reason why there are so many myths surrounding the subject. Here are some of the most common reasons given for not taking out life insurance – myths that have no foundation in fact. 1. My home policy will cover me abroad In reality it […]

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None of us like to waste money on unnecessary expenses, which is why Infinity consultants sometimes get asked by clients if they really need to take out life insurance, health insurance and critical illness cover. Those lucky individuals who have never experienced health problems or tragic loss in their family can feel like they are […]

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Strokes happen to old people, right? Wrong. According to The Stroke Association, there has been an ‘alarming’ increase in the number of people in their 40s and 50s suffering from strokes. The figures come from official NHS data and are indeed rather shocking. Hospital admissions for 20 to 64 year olds suffering from the disease […]

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The plight of a British citizen visiting Thailand over New Year highlights the importance of having medical cover whether you are travelling abroad on holiday or living away from home for an extended period of time. The problem with both travel and medical insurance is that it can seem a waste of money until you […]

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It has to be said that the financial industry has not always had the most spotless of reputations and you don’t need to go far to hear a beef from someone who has been mis-sold a life insurance product. Any attempt to sell a financial product or service by misrepresenting that product or by misleading […]

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If you have a family, life insurance is a no brainer to ensure that your family are left financially secure should you pass away. However, for singletons, the issue is less clear cut. Although many financial websites suggest that single people with no children do not need life insurance, this is not necessarily the case. […]

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Many people – wisely – take out life insurance as part of a comprehensive financial plan, in fact, in some cases, it is a condition of taking out a loan such as a mortgage. However, far fewer consider their need for critical illness cover, even though evidence suggests that they are far more likely to […]

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Not a terribly cheery subject this one but something that all expats really should consider and make provision for to save additional stress for your loved ones down the line if a terrible event should occur. Unfortunately death does not take your location or finances into account when it strikes. According to the UK Foreign […]

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If only life were that predictable ! Many people believe that they will never become sick … until they do. I sometimes meet people who have had medical insurance for years and not had need to claim on it and they wonder whether it is worth keeping it. Here are 3 reasons why I believe health […]

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A new report from Cancer Research UK has highlighted the importance of diagnosing cancer early both to give patients a higher chance of survival and to massively reduce the cost of treatment. Data gathered by the National Cancer Intelligence Network, part of the NHS, revealed that 46% of cancers diagnosed in England in 2012 were […]

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A recent study by researchers at the University of Michigan Comprehensive Cancer Center highlights just how important it is for women to take out protection to cover themselves against financial hardship should they be diagnosed with cancer. Breast cancer is the most widespread cancer of them all with 235,000 new cases expected in the US in […]

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A recent global survey highlighted some interesting and worrying trends in family financial planning. HSBC’s ‘Why family matters’ review surveyed over 17,000 people from 17 countries across the world and found that there is a general neglect of proper financial planning by families. In today’s world much of a family’s well-being hinges on decisions made […]

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Our ‘Lifetime of financial planning’ series has examined the importance of financial planning at each stage of life and charts how priorities change over time.  In this week’s post, we take a look at the options and responsibilities which arise when people begin to move up the career ladder and earn higher incomes. Generally, as […]

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