•How To Get A 100% Commercial Mortgage
Are you considering a permanent home for you business, but would prefer not to part with a significant chunk of your liquid assets to finance the move?
A 100% commercial mortgage may hold the answer. Unlike traditional mortgages and many standard business mortgages, a 100% commercial mortgage requires no down payment, so you don't have to pay out cash in a big chunk up front. This can be a major advantage if you're just getting a business off the ground, or if you simply need to keep your...
•How To Get Cheap Life Insurance To Cover Your Mortgage
Mortgage life insurance provides financial protection specifically for your mortgage. In the event of your death, the cover pays the policy sum assured which should equal the outstanding balance of your mortgage, ensuring that your family can remain living in the home.
Since you're already paying for the mortgage you may feel that the extra expense of mortgage life insurance is too much, but in fact it's possible to get discounts that make this insurance much more affordable.
Don't Buy...
•Tips For Choosing The Best Critical Illness Insurance
With up to 20% of men and 17% of women experiencing a critical illness before they reach 65 years of age, critical illness insurance is more important than it might seem at first glance. Many people believe that critical illness insurance is an unnecessary expense, but in fact, statistics like these show that it's more likely that the average person will suffer a critical illness before the age of 65 than they are to die.
Comparing and Understanding Critical Illness Policies
With more than...
•Using A Discount Broker To Get Cheaper Life Insurance
An insurance broker is a middleman; someone who acts as an intermediary between an insurance company and a person who wants to buy life cover. A discount life insurance broker goes one step further by sacrificing all or most of the commission paid for selling a policy to reduce your premiums.
If you're on a budget, using an independent discount broker can help you get a good deal on your life cover and allow you to save as much as 40%. Note that the term 'discount' doesn't mean the insurance...
•Using Life Insurance To Protect Your Key Employees
Most businesses rely on the work, experience and skills of a few valued employees who are key to the efficient running and profitability of the company. Whether a chairman, director or talented technician, the loss of such a crucial staff member could and often does result in lost revenue and even closure in some cases.
Many employers spend time and money protecting their tangible business assets such as buildings and machinery with traditional business insurance policies but, are often...
•Why It Pays To Check The Small Print Before Buying Critical Illness Cover
When it comes to critical illness insurance, reading the small print in your policy is absolutely crucial. Depending on the company, up to 25% of critical illness claims are rejected and most of these situations come down to the policy holder not understanding the finer points of their policy.
The increasing amounts of negative publicity surrounding cases in which people with critical illnesses are unable to get their insurance company to pay out dissuade many people from getting insurance...
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