Do you have a question about life insurance? Ask Tony Longden, Head of Insurance at Santander - £200 voucher to be won

[LibbyMumsnet]

This Q&A is now complete - there will be no further answers posted.

Planning for what lies ahead isn’t always straight-forward. Share your questions on all things life insurance for Tony to answer.

• Everyone who shares a question on the thread below will be entered into a prize draw
• One lucky Mumsnet user will win a £200 voucher for a store of their choice (from a list)
• Tony will be back over the next couple of weeks to answer a selection of your questions

About Tony
“Tony has more than 30 years experience in Financial Services and has been at Santander since 2010, firstly supporting customers through leadership roles in Santander’s branch network across the UK and for the past 6 years in Insurance which means he has an invaluable insight in customer needs and the importance of Life Insurance and Protection.”

Here’s what Santander have to say
“There’s never been a better time to take stock and get around to those often forgotten, but vitally important jobs, like ensuring we have adequate financial protection in place for our loved ones should the worst happen. Taking advantage of our latest £100 cashback offer on our range of life protection policies is easy. Once you've set up your plan you can sit back, relax and enjoy life.”

Are you someone who doesn’t have life insurance, and you’d like to hear more about the benefits? Or perhaps you have a question on the different policies available? Whatever your question is, post it on the thread for Tony to answer.

Thanks and good luck with the prize draw!

MNHQ

Mumsnet Insight T&Cs apply

Is there a rough guide for how much life & critical Illness cover a couple should have?

Is it Better to get life insurance or just save money up? Do you have to have life insurance if you have a mortgage?

Do you have my advice for helping those with dementia sort out life insurance.and does an early onset diagnosis effect this decision?

Is it possible to get life insurance with a poor mental health background?

What should I prioritise - this insurance / pension / general savings?

Apart from age and health is there anything else that can affect the premium of life insurance?

If my children are no longer dependent, why would I pay for life insurance?

Is it worth getting life insurance if you have chronic health issues? Obviously these would be declared. But I'm worried about claims being rejected due to some tenuous link to my existing health conditions.

I'm considering a career shift which would take me abroad. Do your policies cover your clients wherever they live or are they linked to being resident in a particular country or countries?

How do I know what type of life insurance I need?

Is it better to have a sliding insurance, where the payout decreases each year as the mortgage is paid off? or pay extra for the same amount lump sum, no matter when it would be claimed?

If I have a death in service benefit clause in my contract at work, would you still recommend life insurance? Thank you!

Do you have advisers or is it execution only? and which insurer is your insurance underwritten by?

Is it better to get individual life insurance for two people or do joint insurances make sense if you're married?

We don’t have life insurance 😳 keep meaning to get it sorted but I don’t really understand it. Is it really worth paying for a certain amount or should just get enough to cover the mortgage?

Is it beneficial to pay for a financial advisor to get the correct cover for me? I get confused with a lot of the differences and what I am actually covered for.

Is it possible to take out insurance for a disabled child on the proviso that the insurance pays out if/when their condition ever worsens?

Does life insurance cover serious illnesses or injuries?

Would it be sensible to reassess regularly how much life insurance is needed? Just thinking my life insurance level was set on the assumption that DH would need to hire a full time nanny for a decade in order to continue to work in his then job, but now we are at the stage dh works shorter hours, and youngest dc is only 2 years away from secondary school, not sure we need the same level of pay out if I die. (What a cheery thought)

I heard an advert for life insurance cover the other day that included free private gp consultations with the cover... This sounded great in theory but are there downsides?

Also, I have some cover that tracks our mortgage, and was wondering about getting additional cover. Can you have more than one policy at once?

And a final question, if you have cover, how much can you relax and take comfort in it being paid out if the worst happened? In what type of circumstances /how frequently is it not paid out?

We have no mortgage to pay off now and would benefit from a death in service payment were my DH to pass away. What would be the benefit of paying for life insurance for us?

How can people with chronic health conditions navigate the complicated system.

At what age should I be thinking of getting life insurance?

What are the options once the mortgage is paid off? What pros and cons should you consider?

Are you only covered up to a certain age?