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You'll be in the bank when they hit you with the big one: if you don't go with Life Insurance indexation, you'll leave your family with less money than you intended to.

They'll face a life of poverty.

Ending up sweeping chimneys and begging for scraps on the streets.

Okay, so I'm exaggerating – but the guilt trip is a mean trick for the bank to play on you.

Life Insurance indexation might seem like a good – even necessary – thing to add to your policy, but is it really in your best interest?

The easiest way to get cheap life insurance or mortgage protection is by shopping around online.

You could, of course, call into your local broker, but that would mean a lot of faffing about only to find he or she might not offer discounted life insurance premiums.

However, most online brokers will give you a discount on the standard price to win your business - it's a dog eat dog online market 🐶

Blood cell disorders impair the formation and function of either red blood cells, white blood cells or platelets.

Red blood cells transport oxygen to organs and tissues.

White blood cells fight infections.

Platelets help the blood to clot.

In this article we look at how each type of blood disorder will affect your application.

Do you remember the first time you drove in the dark?

Were you scared?

I was.
I was terrified.
And lost.
Maybe terrified because I was lost.

And I couldn't figure out how to use the headlights.

So I was terrified, and lost, and couldn't use the headlights.

And I had a baby on the way.

You might think that you need Life Insurance in much the same way that a fish needs a bicycle.

Which, of course, is to say that you don’t need it at all.

But here’s the thing: You need Life Insurance in much the same way that a fish in a fishbowl needs a fish tank.

Meet Jaws, my hypothetical fish.

You're looking for mortgage protection.

You're a first time buyer.

You've come to the right place

Can an alcoholic get life insurance?

The simple answer is no - if they are still drinking.

Life insurance and alcohol is not a good mix.

If they haven't drunk in 2 years then there is a chance of getting life insurance.

But there will be a significant increase in the price of their cover (on average they'll pay three times the normal price)

You’ve probably read that title and recoiled a bit with the bang of BS off it.

And yes, you’d be right. It does sound farfetched, but you can buy Life Insurance with cashback.

It’s all a matter of knowing a guy who knows a guy who knows about insurance — or knowing a guy who knows how to Google and ended up on this here part of the internet.

You know how in Batman – the cartoon, film, or comic, you choose – the big lad himself will go toe-to-toe with a villain. Then he’ll reach into his trustee utility belt to get whatever tool he needs to save the day?

Well, the tools come in 10 pouches (I Googled this, dear internet, for I am not a nerd who automatically knows such things) and include his Batarang, napalm (as ya do), a tranq gun and smoke pellets.

Multi-claim Protection Insurance – a new type of cover from Royal London – is a bit like the Bat-belt of insurance. Mind, I wouldn’t try and use it to fight crime as throwing a policy document at The Joker won’t accomplish much.

Remember being 14 or 15 in maths class in school? Your teacher, probably a bit of a gowl, would spend ages explaining the complicated maths on the board and then he’d ask you if you understood. You probably didn’t, but you said ‘yes’ anyway because you didn’t want to look like an eejit.

Next thing you know, Mr McGowl has asked you to come up to the board to solve an equation for ‘x’. You couldn’t find that ‘x’ if it was inscribed onto your forehead.

And all you can do is go up there and write some crap on the board while Mc Gowl tuts away.

The insurers quite often play this game when they name and explain things. Even with the best of intentions (I’ll let you consider how true that might be), they have a way of explaining things so that you can’t actually figure it out.