Financial adviser? (Topcat)

User avatar
Marth
Posts: 43654
Joined: Sat Dec 12, 2009 9:11 am
Location: London - but not by the sea. Nowhere near it in fact.

Re: Financial adviser? (Topcat)

Post by Marth »

Topcat wrote: Wed Nov 16, 2022 2:25 pm Oh! Good darts on the wedding!

That is definitely solicitor territory, what may seem like a complicated situation for you and I will be straightforward to them, they see this stuff all of the time.
Thanks TC.

Do you know if there is life insurance for The Old that we could possibly get that would pay out if either died?

My thinking is that we would be leaving each other without the other persons money to help towards the upkeep of the property?
You have lived life thus far, tell me how you have done it?
User avatar
Marth
Posts: 43654
Joined: Sat Dec 12, 2009 9:11 am
Location: London - but not by the sea. Nowhere near it in fact.

Re: Financial adviser? (Topcat)

Post by Marth »

Already these people are putting the blokes name first even though he's not making the enquiries!
You have lived life thus far, tell me how you have done it?
User avatar
Kenickie
Kenneth Attenborough
Posts: 44440
Joined: Thu Feb 17, 2005 2:43 pm

Re: Financial adviser? (Topcat)

Post by Kenickie »

Joint life first death I think.

That's so enraging about the name first thing.
If your back's against the wall, turn around and write on it.
Topcat
Posts: 47570
Joined: Sat Feb 19, 2005 1:11 am

Re: Financial adviser? (Topcat)

Post by Topcat »

You would be looking at a joint life first death policy, either set to end after a specific term or a whole of life plan that will run for as long as you continue to pay the premiums. Obviously one type of policy is hugely cheaper than the other but doesn't have the absolute guarantee of paying out at some point in the future.

Using unbiased.com will find you somebody to talk to regarding that, or if you want I can put you in touch with one of my colleagues who specialises in it. Absolute discretion assured, of course and no offence taken if you would rather go more locally.

You can also look at comparison sites such as https://www.lifesearch.com/ but you are then doing a lot of the donkey work yourself with companies like this and they don't have the same access to underwriters etc because they are basically telephone monkeys with access to industry standard comparison software. Personally I would look at using an IFA rather than one of those but there isn't actually anything wrong with them and if you are happy to put up with a lesser service they are often comparable in price.
Ella77
Posts: 97457
Joined: Thu Feb 17, 2005 10:55 am

Re: Financial adviser? (Topcat)

Post by Ella77 »

Marth wrote: Wed Nov 16, 2022 2:38 pm Already these people are putting the blokes name first even though he's not making the enquiries!
Oh, fucking hell. Are they taking “feedback” on that?

Congrats, by the way!
Disco
Posts: 46717
Joined: Fri Feb 18, 2005 11:28 pm

Re: Financial adviser? (Topcat)

Post by Disco »

Marth wrote: Wed Nov 16, 2022 2:38 pm Already these people are putting the blokes name first even though he's not making the enquiries!
Rage!

And now joy: congratulations!
User avatar
Marth
Posts: 43654
Joined: Sat Dec 12, 2009 9:11 am
Location: London - but not by the sea. Nowhere near it in fact.

Re: Financial adviser? (Topcat)

Post by Marth »

Ella77 wrote: Wed Nov 16, 2022 3:30 pm
Marth wrote: Wed Nov 16, 2022 2:38 pm Already these people are putting the blokes name first even though he's not making the enquiries!
Oh, fucking hell. Are they taking “feedback” on that?

Congrats, by the way!
They will be.
You have lived life thus far, tell me how you have done it?
User avatar
bramblerose
Posts: 26292
Joined: Thu Feb 17, 2005 4:05 pm
Location: Somewhere, everywhere, nowhere

Re: Financial adviser? (Topcat)

Post by bramblerose »

Oh. A wedding! Congratulations x
Do not walk behind me, for I may not lead. Do not walk ahead of me, for I may not follow. Do not walk beside me either, just fuck off and leave me alone.
User avatar
Marth
Posts: 43654
Joined: Sat Dec 12, 2009 9:11 am
Location: London - but not by the sea. Nowhere near it in fact.

Re: Financial adviser? (Topcat)

Post by Marth »

Topcat wrote: Wed Nov 16, 2022 2:54 pm You would be looking at a joint life first death policy, either set to end after a specific term or a whole of life plan that will run for as long as you continue to pay the premiums. Obviously one type of policy is hugely cheaper than the other but doesn't have the absolute guarantee of paying out at some point in the future.

Using unbiased.com will find you somebody to talk to regarding that, or if you want I can put you in touch with one of my colleagues who specialises in it. Absolute discretion assured, of course and no offence taken if you would rather go more locally.

You can also look at comparison sites such as https://www.lifesearch.com/ but you are then doing a lot of the donkey work yourself with companies like this and they don't have the same access to underwriters etc because they are basically telephone monkeys with access to industry standard comparison software. Personally I would look at using an IFA rather than one of those but there isn't actually anything wrong with them and if you are happy to put up with a lesser service they are often comparable in price.
Thanks, TC and ken.

I'll look into it and will talk to the bloke. I did a life insurance quote thing and it basically said "Haha you are way to old to be given a quote online. Call us"
You have lived life thus far, tell me how you have done it?
User avatar
Pippedydeadeye
Directory Pipquiries
Posts: 84219
Joined: Thu Feb 17, 2005 4:15 pm

Re: Financial adviser? (Topcat)

Post by Pippedydeadeye »

Congratulations Marth & soon to be Mr Marth!
User avatar
Duophonic
Posts: 19824
Joined: Fri Feb 18, 2005 9:04 pm
Location: Glasgow

Re: Financial adviser? (Topcat)

Post by Duophonic »

Congratulations to you both!
BRING ON THE TRUMPETS!

Princess Clacky Thing
User avatar
Morganna
Posts: 15736
Joined: Thu Feb 17, 2005 7:25 pm
Location: Avalon

Re: Financial adviser? (Topcat)

Post by Morganna »

Congratulations!
User avatar
Estrella
Posts: 19894
Joined: Wed Oct 04, 2006 3:13 pm
Location: The Future

Re: Financial adviser? (Topcat)

Post by Estrella »

Congratulations Marth. Excellent stealthing.
Lola
Posts: 7110
Joined: Sat Oct 08, 2005 8:16 pm
Location: a Northerner in Kent

Re: Financial adviser? (Topcat)

Post by Lola »

Congrats on your legally binding encouplement :)) Be prepared for people in real life to be strangely over excited by it ;). We also had the most basic ceremony.
Topcat
Posts: 47570
Joined: Sat Feb 19, 2005 1:11 am

Re: Financial adviser? (Topcat)

Post by Topcat »

Marth wrote: Wed Nov 16, 2022 8:00 pm
Topcat wrote: Wed Nov 16, 2022 2:54 pm You would be looking at a joint life first death policy, either set to end after a specific term or a whole of life plan that will run for as long as you continue to pay the premiums. Obviously one type of policy is hugely cheaper than the other but doesn't have the absolute guarantee of paying out at some point in the future.

Using unbiased.com will find you somebody to talk to regarding that, or if you want I can put you in touch with one of my colleagues who specialises in it. Absolute discretion assured, of course and no offence taken if you would rather go more locally.

You can also look at comparison sites such as https://www.lifesearch.com/ but you are then doing a lot of the donkey work yourself with companies like this and they don't have the same access to underwriters etc because they are basically telephone monkeys with access to industry standard comparison software. Personally I would look at using an IFA rather than one of those but there isn't actually anything wrong with them and if you are happy to put up with a lesser service they are often comparable in price.
Thanks, TC and ken.

I'll look into it and will talk to the bloke. I did a life insurance quote thing and it basically said "Haha you are way to old to be given a quote online. Call us"
You will be insurable, it may not be cheap but you'll get cover easily as long as nothing too serious healthwise has happened.
Post Reply