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]

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.

[LouiseColley]

@Yogagirl17

Should I still be paying my ex-husband's life insurance? It's designed to cover the mortgage for the house I'm still living in so maybe I should..?

Thank you for your question. Unfortunately, I’m unable to give you an answer as there are quite a few unknowns – such as who is responsible for the mortgage payments. It’s certainly worth you speaking to a financial adviser about this though.

[LouiseColley]

@AntoinetteCosway

We have life insurance through Aviva. What I am terribly confused by is the trust element. We'd like to write it into trust but there's no indication of whether a trustee can be a beneficiary, and when I've phoned Aviva to ask they just say they can't help. Great! Would also like to know how to deal with future children. For instance, can I make DH both trustee and beneficiary so he can dole it out as appropriate to DD and hypothetical future children? Why can't I put future children on it-why do beneficiaries have to be named specifically? I know we need to go and see a solicitor about this but we don't have a spare £500 and it's driving me nuts. that something so easy is made so difficult by such a stupid form.

Hi Antoinette. Its great to see youre considering using a Trust to distribute the proceeds of your plan to ensure the money gets distributed as youd want. However, this can be complicated so you should make sure you speak to a financial adviser so you fully understand the terms of the policy.

[OPeaches]

We have life insurance simply because the financial advisor who helped us with our mortgage arranged it. I actually has no idea how much we are insured for, but I remember he got us to change it once we had kids.

We son have critical illness cover, purely because it was so expensive and I've heard so many stories of companies finding ways not to pay out. We weighed up the odds and decided not to. Fingers crossed we'll never come to. Regret that decision.

[BLee95]

I didn’t originally have it but last week we sat down and had a chat about the future. As a couple with debt management we wouldn’t want the other one to struggle to pay for stuff if something was to happen, especially with the pandemic. We both decided to get insured last week and it’s just gives us peace of mind.

[sheilads105]

We had insurance when the kids were young but do not have any now. My husband has pre-existing conditions and we hope our investments will be our insurance. Are we being sensible?

[flowersanam]

I dont have it and want to know if it worth it

[Sid98]

Need to get it sorted

[lucie82]

I tried to get life insurance and all the quotes I tried to get said I was uninsurable due to my family history! So I tried and failed!

[Sodamncold]

Single parent on close terms with ex

Should we be the beneficiaries for one another’s life assurance?

[Hopezibah]

We got it sorted when we first took out our mortgage and have left it ticking along since then (life and critical illness cover). My worry is that when it comes to an end when the mortgage term ends, it is going to cost so much more to take a new life insurance policy out because we are so much older now. Last time I got a quote to extend it, it was going to be an extra £80 per month. We currently only pay £30 per month because we took it out when we were so young. Any tips / ideas to get good value cover for peace of mind without it costing so much more than we currently pay once our current cover ends. thanks.

[Baldwin1973]

We both have death in service cover at work - we also have a seperate life insurance policy which pays for the mortgage if one of us passes away, Had these for years.

[welshmardymum]

I do have life insurance - i took it out ages ago before i had children when i earnt more but obviously had less outgoings - is it something i should revisit and also if so how often should you revisit it?

[par05]

I have life insurance as on my own with four kids so they would get a lump sum each. Pay about 16pounds a month.

[Weirdfisher]

Oh my goodness! I hadn't even thought about life insurance. I think I must have everything else insured but that. Certainly something to think about.

[jitterbugintomybrain]

We have
Life insurance but I can't remember all the details about it. We took it out so it would cover the mortgage.

[LaceyBetty]

Took it out the minute I found out I was pregnant. Now don't have to think about it.

[sophiefx]

We recently got life insurance after I found out one of my close friends passed away. It really affected me and it put a lot of things into perspective.

[Unsurechicken]

I don’t have it and would like to get some.

I have 3 children two different dads - how and who should I chose to be person In charge if something was to happen to me?

[sharond101]

I have pre-existing medical conditions and have been refused lief insurance can you help?

[ItsCovidOutThereThisChristmas]

Yes I do through work and also a separate policy to cover the mortgage

[HobNobAddict]

@AnnMumsnet hi, I just wondered when you will be notifying the winner of the voucher - someone would be thrilled at these most difficult of time - thanks in advance

[HobNobAddict]

Bumping @AnnMumsnet have you notified the winner please x

[YesIDoLoveCrisps]

How does COVID influence life insurance? or any future pandemic sorry

[theresacoo]

when my first born arrived, i sorted insurance out, I feel better knowing there will be something if the worst happens.