I have ..to cover leaving money to kids ....but Mr B doesn't  

so I can play it back and I know what I've forgotten...I can't make lists cos I forget where I have put them 

I have a funeral cost one...but that's it and I don;t pay anywhere near 24 a month 

My friend I used to work with at Safeway/Morrisons (Jean) rings me every now and again to ask how things are. We talked about my situation and jobs and money and how much I was paying out every month.

I told her I was paying £24 for life insurance (but have recently reduced it to £15 as I couldn't afford the 24....I haven't even paid the first 15 yet).  

She asked why I had that insurance and stated that I had no dependants and that I wouldn't benefit from it *Ding goes a light in Pam's head*  She was right!

And a lot of others I've spoken to in the past few days haven't got it either...funeral expenses would be paid out of sale of house.  

I'm now about to save myself £15 a month but it annoys me now how much I've been paying when I didn't need to ....and....I get nothing back! 

My friend I used to work with at Safeway/Morrisons (Jean) rings me every now and again to ask how things are. We talked about my situation and jobs and money and how much I was paying out every month.

I told her I was paying £24 for life insurance (but have recently reduced it to £15 as I couldn't afford the 24....I haven't even paid the first 15 yet).  

She asked why I had that insurance and stated that I had no dependants and that I wouldn't benefit from it *Ding goes a light in Pam's head*  She was right!

And a lot of others I've spoken to in the past few days haven't got it either...funeral expenses would be paid out of sale of house.  

I'm now about to save myself £15 a month but it annoys me now how much I've been paying when I didn't need to ....and....I get nothing back! 

I wish I'd had someone around to talk to when I took this policy out  I think I just thought that was what happened  

I wish I'd had someone around to talk to when I took this policy out  I think I just thought that was what happened  

did you not get one with a cancellation plan...

Just cancel it Pam ..not worth throwing good money after bad ...

you should have looked on line...that is a massive amount to pay monthly and not have some clause to get money back  To be fair, it sounds a racket 

I think by reading my papers today that was only within a month of signing. It's been about 7/8 years  

Even my house and contents are about £29 I think  and speaking to Jean...she's gone through Saga and reduced her payments drastically....I did an online quote with them and if I've done it right it reduces to about just over £10  

bloody hell Pam..I would have got an endowment at that age and paid into it...the money you would have gotten back you could have prepaid for a funeral and still had cash left over. Plus, if anything had happened your estate would have automatically received the agreed amount if you had died after 12 months of taking the policy out  

Even my house and contents are about £29 I think  and speaking to Jean...she's gone through Saga and reduced her payments drastically....I did an online quote with them and if I've done it right it reduces to about just over £10  

As I said...I'm useless with stuff like this/that 

Saga is dearer for me...I am with Hastings Direct, for car and house  but it must have been the cheapest if you checked with Compare the market. 

Why don't you go on to a comparison website ??

bloody hell Pam..I would have got an endowment at that age and paid into it...the money you would have gotten back you could have prepaid for a funeral and still had cash left over. Plus, if anything had happened your estate would have automatically received the agreed amount if you had died after 12 months of taking the policy out  

I went on the Saga site but I guess I could go elsewhere  

I went on the Saga site but I guess I could go elsewhere  

Mine is just a whole life ....just paid on death ....but it only cost about £9 

Why don't you go on to a comparison website ??

Mine is now Baz...but if I had been Pam's age when she took it out...I would have gone endowment 

Even those sites confuse me at times. I dunno why, but they just do. I'm deffo going to cancel life insurance though and look again at house insurance. I'll drag family in on best practice if I have to  

I've had mine since I remarried Dame ....covers my half of house for kids I couldn't afford an endowment ...even then  

Even those sites confuse me at times. I dunno why, but they just do. I'm deffo going to cancel life insurance though and look again at house insurance. I'll drag family in on best practice if I have to  

hi dammmeeeee*loadsa sorry to keep missing you*FAWNS* sprooty bazzy 

Sounds like a plan My house and contents is more than it needs to be cos Mr B won't change provider !!!

you would have if it was just burial costs Baz 

Sounds like a plan My house and contents is more than it needs to be cos Mr B won't change provider !!!

Yes, but it had to be enough to cover the money from my divorce ( we split everything down the middle ...so it was half the house)  that  I put into the new house .....so it was a fairly big amount ....