Checking Your Cover: Review Before You Renew!

Here at Essential, we cannot stress enough the importance of making sure your life cover is up to date. To avoid any unwanted surprises, it’s imperative that you have a good understanding of your financial situation and insurance coverage, as well as keeping your cover accurate and up to date.... Read More button-arrowbutton-arrow

You Can’t Put A Price On A Mother’s Love… Or Can You?

Cover for the stay-at-home parent. You should never underestimate the cost of a stay at home parent. In many cases, when considering life cover families will think to ensure the breadwinner. But don’t forget about the parent who stays at home – just because they’re not bringing home the bacon,... Read More button-arrowbutton-arrow

Cover Doesn’t Have To Be A Headache

How migraines can have an effect on your life cover policy. It is commonplace that migraines have no real effect on life insurance, however in severe cases they can cause a rise in your premiums. If you suffer, don’t let this discourage you from sorting out your policy – there... Read More button-arrowbutton-arrow

Is Work Working Against You?

‘Hazardous’ jobs and how they impact on your life insurance. Believe it or not, your occupation has a great impact on the cost of your life insurance policy. The workplace is somewhere we spend a mighty chunk of our precious time, and it possesses risks that insurance companies must evaluate.... Read More button-arrowbutton-arrow

Timing Is Everything

How much time it usually takes to set up your life insurance. One of the most common questions about life cover is how long does it take to set up a policy? The timing it takes from when you apply to when you are covered can vary depending on many... Read More button-arrowbutton-arrow

Family Medical History: Go Through With a Fine Tooth Comb

Declaring your families’ medical history to your insurer. Death can be a pretty sensitive subject. Insurance underwriters may seem to be cold-hearted, sizing you up and calculating your life expectancy, and charging you more if there’s greater risk that you will die early. Unfortunately, that’s how life insurance works. Your... Read More button-arrowbutton-arrow

Put Your Trust In a Trust

‘Writing in trust’ explained. Writing your policy in trust is one way to keep your money safe from the taxman; doing otherwise can result in your money falling into the clutches of HMRC. Under normal circumstances, if you die your life insurance forms part of your estate and may therefore... Read More button-arrowbutton-arrow

Weird Factors That Affect Your Premiums

Does what it says on the tin. There are many different factors that can affect how much your life insurance policy will actually cost you. Like, did you know that your postcode is one of them? Certain postcodes, for example inner city areas, deem people ‘unhealthier’ and therefore have a... Read More button-arrowbutton-arrow

Why Life Cover?

A few reasons why life insurance is a becoming must. Buying life insurance can be one of the best financial steps that you take for you and your family. If you have children, or anyone financially dependent on you, you’ll want to ensure than you’re insured. According to the Association... Read More button-arrowbutton-arrow