Vitality UK face to face

10/01/2017

Rewards are NOT the reason for choosing an insurance company / policy - heaven forbid, else we would all be up to our necks in Carol bloody smiley alarm clocks.

However, when added to an already very competitive plan it could be right for the right person.

https://adviser.vitality.co.uk/rewards/partners/apple-watch/

Apple Watch with Vitality health care and life insurance. Pay £69 upfront for an Apple Watch Series 2 and nothing more if you stay active.

05/02/2016

Didn't want to detract from anyone else's Cancer Day messages yesterday BUT for the rest of the MONTH, we will donate to cancer related charities for every serious illness cover that we arrange.
Cover yourselves and your family AND donate at the same time.
Obviously conditions will apply relating to the continuance of your plan.

14/01/2016

https://www.healthinsurancedaily.com/health-insurance/product-area/life-critical-illness/article477411.ece?utm_medium=email&utm_term=&utm_source=GB179%20Health%20Insurance_Daily%20News%20Alert&utm_content=&utm_campaign=Copy%20of%20CBA%20XML%20Edition

Taboo of mortality ‘leaves families unprepared for financial impact of death’

06/11/2015

Opinions will vary drastically regarding the importance of providing the RIGHT cover for yourself / family.
In my most humble opinion, anyone that neglects to properly protect but then spends £50 pm or such on Sky is, with respect, an idiot.

05/11/2015

Clearly an insurer will not pay a claim for an illness or condition that they simply do not cover - this is why a comprehensive plan is worth that few extra pounds.
Despite their importance, each of us has a finite budget for such purchases - surely it is better to have (for instance) £30 of the BEST cover than £30 of caveat-riddled rubbish.
My personal logic is that I am better having a good chance of claiming £80k than I am having a poor chance of claiming £100k.

Individual situations will vary and this is why PERSONAL advice is so very important - Meercats and Robots may be the modern way of doing things but do not entrust them with something of such importance.

05/11/2015

A 'standard' life and critical illness policy will be on an "accelerated" basis. This means that upon a successful claim for critical illness the plan, and as such the life cover ends.

Sure, this is a marginally cheaper way to do things but consider how vulnerable you would feel following a claim and then having no life cover at a time when it is unlikely that you could obtain any.

03/11/2015

Please note - we do not give away pens or alarm clocks.
We do however ensure that you have the most appropriate, tailored, practical, down-to-earth advice regarding your cover.
Incidentally, we also make "sales" related donations to appropriate charities - as such, by protecting yourselves and your family you are also contributing to those good causes.

02/11/2015

Sadly there seems to be a sudden increase in the amount of posts on Facebook commiserating either the loss of loved ones or them being affected by serious illness - Cancer mostly.

Having the right cover in place, does not make that illness and the worry go away BUT it really can help massively in alleviating the financial worry.

We not only ADVISE and ARRANGE the cover but, due to being somewhat "hands on" we also help in administration during times of claim - as such we have the experience to have seen the difference it can make.

Whether you talk to us or an alternate, perhaps more PC, specialist -
Do not leave yourself or your family exposed by being simply too lazy or too ignorant of the facts.

13/08/2015

Please be aware that the vast majority of insurers offer only what is referred to as 'accelerated' cover when it comes to life and serious illness. Considerably cleverer and more comprehensive options may be available to you at remarkably little additional cost.

13/08/2015

Please please ensure that you not only read your 'small print' but that you understand it sufficiently.

29/01/2015

Obviously we cannot name names but one particular high street Bank has a habit of talking folk out of perfectly good protection contracts in order to save a few pounds a month...
Over recent years, the consequences with some of these have been disastrous leaving folk and their families exposed to financial and emotional anguish at precisely the worst possible time.

29/01/2015

We will post specific examples as the page progresses but a very quick idea of how we look at Critical Illness plans -

Company A offers cover of just 20 illnesses or conditions
Company B is seemingly more comprehensive with 38 conditions
Company C offers 43 conditons!

However the terms & conditions attaching to company C are considerably more restrictive than company A or B.

It is essential not to simply count illnesses but to read and understand the ramifications of the SMALL PRINT.