Insurances (not car)

[deflatedbirthday]

I'm looking at renewing our life and home insurance.

Is there a company out there who offer both?

Hi, some companies offer both but tbf they're usually seperate businesses within the same brand so won't make a difference. I tried this with home insurance and life insurance but you've got to speak to completely different teams for each policy. I'd just get your car insurance with someone like MoneySupermarket and then look for life insurance separately... probably cheaper that way anyway. Hope this helps

I wouldn't mix life with home insurance. What you need is home insurance with accidental damage cover(boiler breakdown, water leak, burst pipe...etc). Keep life insurance separate with additional critical illness cover.

Life insurance premium varies depending on how many conditions are covered by the insurer. Not all insurers cover all conditions. Not all insurers define cancer in the same way. So, please do your home-work carefully. You dont need a advisor or a broker. You need time and patience to read the small print before the big discount offer.

What they say is, "we cover cancer" and what some of them mean is, "we pay out only if the cancer is terminal or stage 4 with no scope for any treatment by two independent clinician's opinion". The burden of establishing this is put on you. No insurer covers all clinical conditions but some of them provide wider cover then others and hence have the premium in the mid-range. More the merrier. YOU need to do your market resarch and decides what suits you based on your personal and your genetic inherited risk. Don't regret it later on.
No, I am not a insurance broker. I don't work in that industry either. This is a friendly advice based on lesson learned from other's experience.