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

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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

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@Jammallama

I have a history of cancer and an autoimmune condition that is latent and not treated but is a watch and wait although without any active medical intervention and I don't see a specialist for it. Although I accept I can't really have any affordable life insurance I would like to find accidental death cover. In this way my family will be provided for in the evening of a road traffic accident or other horrid demise. I can't find anything but would like to know why this is and if there is a product available.

Hi @Jammallama,

There are indeed products available in the market for Accident Death Insurance. Unlike life insurance, this policy doesn’t require a medical, so pre-existing health conditions and life style choices won't affect the premium that you pay. A quick search on the internet will highlight a number of providers offering this type of cover

Tony

Do you have to have any tests if your family have history of breast cancer

What would happen if i cannot afford the monthly repayments - can my policy be amended so I have some cover but for a more affordable cost ?

How would you go about estimating the level of cover you require, based on your current situation - and if this changes significantly what are my options re the policy

I really cannot afford anything else from my very tight monthly budget - this is something we NEED, but cannot AFFORD, what would you advise for someone with no disposable income

I work in local government and have a really good sickness provision, and death in service provision is very generous - what would this policy give me which my current employer would not ?

Can I change my policy to increase or decrease my cover - and do I need a medical if I make changes to increase the cover ?

Does your profession create higher premium, my DH is a scaffolder and works at great heights, I work in a lab. Thank you

Would you recommend income protection or Critical illness, or both? -whats the price difference ?

I know I need to take out a policy in case of the worst happening - but just do not have the money to spare - any ideas- what is the lowest protection I can get for my DH - mortgage of £105 k and income of £80k- no disposable income

We have a life insurance on the mortgage do I still need to get a separate life insurance

Hi Tony

My father has mixed dementia, and I have recently had to move him into a care home. I have POA over his affairs and as an accountant he's always been very financially savvy.

What I don't understand, however, is why he appears to have more than one life insurance policy? Is this even a feasible thing? He's clearly been paying them both for a number of years. My Mum passed several years ago suddenly and was the named beneficiary, but in her absence, would this now pass to another family member automatically?

Please advise. Thanks

As I only work a few hours each week and therefore my salary is a minimal contribution to the household, how important is it still for me to have life cover?

Thanks for all of your questions. And thanks to @TonyLongden for answering so many!

The winner of the prize draw is @Rummikub - congratulations!