We've been asked by the team at Aviva to find out if life insurance is ticked off your list of things to do, lurking at the bottom, or is something you keep meaning to get around to but never quite manage it? If you sorted it, why? If you're yet to do so, why not?
Aviva says "As parents we instinctively do everything we can to protect our children. We cover them in sun tan lotion, make them brush their teeth and take steps to keep them safe on the move. Yet, despite our best intentions, when it comes to financial matters, such as sorting out life insurance, other things often take priority. If the unthinkable happened, life insurance can help protect what matters most to your loved ones. That's why we want to make it easier for you to find out answers to your pressing questions."
If you have a question about life-insurance post your questions on the thread and we'll choose some for *Aviva's expert, Louise (see image), to answer. Her responses will be posted on this thread by 18 November.
About Louise: "Louise has worked for Aviva for 24 years and, after gaining a wealth of experience across the insurance business, is now Distribution Director. She is also responsible for the marketing and communication strategy for protection. Louise is extremely passionate about families protecting themselves financially and is a dynamic spokesperson in the national press on the subject.
Aviva's free new parent life cover initiative, which has helped more families become financially protected, is Louises brain-child. She was also instrumental in developing an emotionally engaging approach for Avivas life insurance TV advertising campaign, which created considerable interest, debate and praise.
Louise's contribution to raising awareness levels of protection and challenging customer behaviours has been recognised through a number of key industry accolades. Louise is married with 5-year-old twins and lives in Yorkshire."
So please share your thoughts below - have a look at their info on their special pages on Mumsnet - everyone who adds a comment or a question below will be entered into a prize draw where one MNer will win a £150 high street voucher.
thanks and good luck
PS Please note your comments, anon of course, may be used by Aviva on MN and possibly elsewhere.
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Life-insurance - do you have it sorted or is it on the to-do list? Share your thoughts and ask Aviva's expert your questions - £150 high street voucher to be won - ANSWERS BACK
AnnMumsnet · 04/11/2013 14:33
We have it via Cavendish, who rebate the commission all brokers get from insurance companies back to you. We pay less than Legal and General charge you directly on their website - will save us over a grand over the term of the policy. (They also had a close offer from Aviva; we went for L & G on literally a pound a month's difference, I think? I would imagine who is best buy varies regularly.) If anyone does want an insurance product I would strongly recommend Cavendish - you pay a flat fee of £35, and then all the commission is deducted from your product. Saves a packet and doesn't cost providers any more than it would if you went for a conventional, commission-earning broker.
We have insurance because we have a young child and a baby on the way, and we want the surviving parent to be able to own a house outright and take a couple of years off work to care for the children and help them through the loss, if one of us dies. The work policy is nowhere near enough to do that.
We were pushed into doing it because a friend's sister-in-law was abruptly widowed. Her husband was healthy and young and one day he just dropped dead. Undiagnosed heart problem of some kind. She had no insurance, few assets and two young children, but luckily she also had comfortably off siblings who have supported her a lot. We don't have that, so it galavanised us into taking action. It's a few hundred quid a year and we hope it's a total waste of money, but just imagine if it isn't? 
We also went and checked our medical records, to ensure there were no mistakes which could invalidate the insurance (a friend had a termination and a coil on hers, which was surprising as she is a lesbian - always worth checking!). It only costs a tenner each, and it's well worth the hassle IMO.
Link to Cavendish, to posters not sure where to start. I read about them in a paper and then lost their info, but they're recommended on Moneysavingexpert as well - I'm a regular poster, not a schill, honest guv'nor! I just like saving £, so thought it might be handy to someone else. 
Life insurance has been on my to-do list for quite some time, i'm a self employed lone parent, so nothing via work or spouse.
There is something that terrifies me, and yes, it is completely coincidental i know, and very very woo.. but.. i had 3 friends (all in their 40s) who took out life insurance - all have died recently (2 extremely suddenly) within 3 years of taking it out.
Theres a tiny bit of me that worries about tempting fate or some such..
Completely crackers i know! but add that to the fact my DSs are 24 and 16, and they will inherit my house outright, and it explains why it's still on my 'to do one day' list, and not done. 
Another one here who has been putting it off, alongside a Will... we can't afford the extra costs involved so haven't been able to protect ourselves.
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