John K Mitchell's Misc Blog

Every so often I get to feel my age and start to think that I need to top up my life insurance policies before it gets too expensive.

Just recently I came across the site for a broker who are based in the UK. Looking around their site it seems that they are an insurance broker and not just a website that acts as an affiliate link to other sites.

Now I'm not sure if it's a top up to my normal life insurance that I really need, it seems that I might be better off taking out something called "accident sickness and redundancy insurance" or "income protection insurance" since this will pay out should something happen and I'm unable to pay the monthly mortgage payments. I've put in a request for someone to contact me and talk through the options, they say that they can give advice and it would be helpful to get an opinion about my options.

Update : 15th June 2006
I had an exchange of emails and then a phone conversation with the above company and it seems that I am more likely to need to take out sickness and accident insurance as aparently my life cover is high enough and apparently people are 20 times more likely to have a long term health problem than they are to die before the age of 65. Having said that, they are looking at the costs of my current life insurance policies and are comparing it with current rates to see if I can get the same cover for less.