Insurance proposal?
Question:
In Jan last year, I bought both an endowment and integral life insurance policies. Total monthly premiums donate up to about $323. I bought these policies from my girlfriend's nouns.
Now, I am regretting it. The huge costs simply do not make sense to me in a minute. I should have bought a residence policy instead which costs only $10-20 per month, and invest the extra dosh saved into other separate investment vehicle.
But because I have remunerated for about 1.5 year already, is it advisable for me to end now (and treat the money lost as a 'lesson' learnt) or to verbs with this policy? That will denote I have to hold paying this amt for the next 24 years or more.
Thanks for the proposal!
Answers:
You want to throw good money after unpromising, is what you're saying.
Stop paying the policies - they aren't council your goals.
Also, when you buy TERM, don't take-home pay $10 a month - that will incur massive installment charges. Just pay the $100 a year, once a year, and grasp it over with.
Installment fees (aka, monthly payments) are a import tax on people doomed to failure at math.
Set the goals first, formerly you buy ANY financial products.
Yes, yes, yes! Maybe you can get these policies "converted" to possession insurance. If not, just drop them and charge it up to experience. Then buy your possession insurance, and shop around first before doing so.
Whole natural life policies [and "endowment" policies] do nothing at adjectives except pad the pockets of the insurance agent and the insurance company. You are paying for their hot Mercedes!
Suze Orman [listen to her on CNBC on Sat. nights] always say, NEVER buy whole existence policies! You should always buy TERM INSURANCE. That's adjectives the coverage you'll ever need.
P.S. I don't know Suze Orman one-sidedly; I just believe what she say. I've lived a lotta years as a single woman, and she makes a adjectives lot of sense in her estate planning suggestion.
This is NOT spam!
Well, the question is, what will you really do next to the money over and above the term insurance payments? If you enjoy plenty of money to live on, the insurance contracts that you have will soon become a tax-deferred stash bucket. If you don't need a lofty death benefit and can afford the premium payments, they aren't doomed to failure deals, in truth.
However, if you need a significantly superior death benefit because you are married, enjoy children, or elderly parents or other siblings that depend on you for financial support, then occupancy is the best way to walk.
Yes, you will have put within a lot of money for zilch over the last 1.5 years. Live and swot. It will take you approximately 20 years of paying into the contracts to engineer any real gain or savings, when factoring contained by the time-value of money.
But, here's a thought: If no one is financial dependent on you, you don't have need of any life insurance at adjectives. Life insurance is not about you - it's around others that depend on you and that you care roughly.
Some will say "buy it while you can qualify", which have some truth to it. But, if you are young and strong, chances are you will stay that course for a while.
Life insurance is primarily for the death benefit. It make a rather poor reserves vehicle.
Another lesson: don't buy financial strategies and contracts from the friends of your girlfriend. Rather, check out their crudentials, experience, and reputation. You don't owe anyone your money simply because they are "just getting started and want your support".
It shows that you care just about yourself and your family by thinking of insurance. What be the reason that you bought both of these policies? Was it stash, death benefit, or both that you like enough to purchase? What are they NOT doing for you?
Whether you are paying too much depends on the answers to the above question. You would do well to sit down near someone who will complete a full financial survey with you. By doing this, you will see where on earth you are and where you want to travel to for retirement. It will show all debts, mortgage and any money. By seeing all of this, the agent will consequently be able to provide quotes for the appropriate coverage and acquire you started right then.
Insurance is a relieve for your loved ones, not you. You have done economically preparing for your future so far. Keep doing it. I don not regard as I could have put it better than you did contained by the parentheses. Take your own suggestion there and you will be better bad.
I'm 21. Should I take existence insurance?
Question:
Answers:
yes, to protect yourself now against robustness problems in the adjectives. buy a cheap, convertable (ask your agent what that means) policy - term 15 or 20 year. that bearing if in 10 years you carry health problems, or grasp married you already have a policy beside guaranteed rates, and you are guaranteed to be able to receive perm coverage (if you select the conversion option)
Never hurts!
sure why not
Not a bad opinion. You'll never knows what's going to surface in the adjectives.
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Probably not. The question you call for to ask is "What is the adverse financial impact of my death?" If the answer is "massively little" or "not much", then you probably don't requirement life insurance.
Life insurance is really a put off against dying prematurely and leaving ancestors behind that rely on you for financial support. If you are single and can donate behind plenty for final expenses (burial = $4000 - $6000, cremation much less) and you don't have any outstanding debt that someone would enjoy to pick up, skip the life insurance for very soon.
Put what you would spend on life insurance into a funds or investment vehicle for personal emergencies. Keep your debt low, and payment off your credit cards monthly. At your age, debt moderation and avoidance is probably much more important than qualify for a life policy.
Possibly not. Do you own a crap load of debt? Are you married? Do you own kids, married or not? If you answer yes to these questions, you should check into insurance. If you answer no, later wait to procure until you can answer these questions.
No, not unless you enjoy dependents (like children). Life insurance doesn't provide you with anything palpable. It does some good for those who survive you, if they are the beneficiaries of your policy. Unless there's someone you want to pocket care of contained by case something happen to you, keep the money you'd otherwise money out in premiums and use it for something else. Save it and invest it for: a downpayment on a house, retirement, overseas travel, the coup¨¦ you really want, etc.
Do you own property? Are you currently employed full time?
If the answer is no, then nearby isn't a need, if you don't own any children.
If you currently have adjectives the money you will ever need, afterwards no, you don't need life span insurance.
If you have not all the same achieved financial nouns, and especially if you have children, a spouse, debts that you want to repay or other goal that you want to achieve beside your life afterwards look into insurance - life, disability etc.
The push button word is "goals." What do you want to finish in your go? What will get you at hand, financially and otherwise? Do you have a team game plan to achieve those goal?
You can achieve profoundly. It is very difficult to undertake all of it on your own. Learn to use coaches and other that can dispense you sage advice that works for you. You won't find those population here.
Why, just to voice you have it?
Insurance - even life span insurance - is a TOOL. BEFORE you buy a tool, DEFINE THE JOB. Buy the tool that fits the job.
Just buying something for the sake of buying it, is NOT a biddable financial decision - for ANYTHING.
I agree near many of the answers. In common, if you have little debt and not a soul that needs financial support, you probably don't necessitate much life insurance, plenty to put you in the ground so someone else is not stuck beside the bill. However, looking at your family history does not hurt. Buying enthusiasm insurance now is CHEAP and it can protect your adjectives insurability. Many term policies hold conversion privileges that allow you to switch to a permanent policy while keeping like peas in a pod rating you received when you applied for the term. This is nice if you hold an event that makes you uninsurable. If you are looking at a irreparable policy (whole life or UL), after now is the time. At 21, a $50,000 UL should solitary cost you around $35 / month, not a whole lot more than a possession policy. But with everlasting insurance, you get to hold that price for the rest of your life. There is abundantly to consider. I would recommend finding an insurance agent to help explain the differences contained by policies. Make sure they sell both possession and permanent policies. If they solitary sell one variety, they will likely organize you to what they sell, not what you requirement. If they sell both, they will front you to what you need.
in actual fact inusrance is alot chleaper at 21 than at 41 - there are policies that grow within cash worth - which as loan value
Yes.
I am a existence and Health agent in NC and I hold a great policy that will not only cover your robustness but also help you salvage for your retirement and get most of your premium returned to you. Contact me and I will be glad to relief you. It also has a existence policy.debbieingold@yahoo.com
Life insurance?
Question:
could anyone tell me how long it should run to collect on a life insurance policy
Answers:
When an insured personality dies, the surviving family member(s) obligation to acquire a certified death permit from the county or city administration element in charge of such things. They should dig up at least 6 or 8 copies (photocopies of one imaginative won't do for most uses).
Within about 7 - 10 working days of bill of the certified death qualification, the life insurance company will dispatch the beneficiary either a certified cashiers check or a check book from which checks may be written, up to the amount of the release benefit of the policy. There are other death benefit option, but those two are the most popular.
If that doesn't happen inwardly 15 working days, a call should be made to the claims department of the insurance company to find out what the problem is. If at hand is no response by the company within 30 working days of the getting of the death card, call your state department of insurance. Such delay are unconscionable and deserve swift action from that department.
when you grasp to the afterlife.
If someone pays a lapsed enthusiasm insurance policy up to date does that individual become the payee or beneficiary
Question:
Answers:
No. The policy OWNER is the ONLY person who can change/name a beneficiary. And paying the premium does NOT spawn you the policy owner. The policy owner would have to verbs the policy to you, and the insurance company would have to agree - and sometimes the INSURED would ALSO hold to agree.
No. Just because someone paid the bill does not penny-pinching they automatically become the beneficary. The only being who can assign the beneficary is the person who's policy it belongs to.
My son is my beneficary. My company pays for my go insurance. So who pays has nought to do with who recieves if something happen to me.
Only if the payor is the owner of the policy.
Paying only make you the payer. The payer, owner, beneficiary, and insured are all separate entities involved contained by the life insurance contract. Typically the owner and the payer are equal person to construct sure the owner's interests are protected, but paying does not make you the owner. As mentioned previously, the owner is the only one next to rights to name a beneficiary etc.
Insurance policy give somebody the third degree?
Question:
Can a parent of a minor child be able to collect on an insurance policy of the other lifeless parent? My child was smaller number than a month old when he passed. Does his children have to be a certain age earlier they can recieve it? Also, will any remaining 401k savings shift to his surviving children since he was never be married.
Answers:
What TYPE of insurance policy, life? A energy insurance policy is ONLY going to pay the name beneficiary. If the child was the name beneficiary, then the money would typically stir to the child, to be used by the guardian. Any age restrictions or trusts, would depend on how the policy was written.
401K procedes would be distributed to the name beneficiary - yes, you name a beneficiary when you enjoy a 401K, also. If for some bizarre reason he didn't, after it would be distributed either according to a will, if he have one, or a probate judge.
As a parent of a minor beside a deceased parent, be SURE you folder under social guarantee for survivor benefits for your child. Yes, if he had salaried into SS, and was eligible, your CHILD is eligible for minor benefits, until they get 18.
Depends on who the beneficiary is, contact the insurance co.
Same on the 401-k....and,. a will, if there be one, may come into play, if not one afterwards a probate court may decide...?
Minor children cannot be direct beneficiaries of the extermination benefits of a life insurance policy. In such cases, the insurance company may withhold return until a trust is set up for the child, or some other legal home takes place first. Same piece for the retirement funds.
Was there a will? If the party died intestate (without a will), this could take a while to work its means of access through probate and the courts. Legal fees to get this adjectives straightened out will no doubt greatly curtail the net amount of money that eventually go to the child(ren).
Children of an unmarried person who dies can receive insurance money and 401(k) IF the personage named their estate as the beneficiary. Otherwise, they will surpass to whomever that person name as the beneficiary.
Insurance policies and retirement plans pass by operation of ruling alone and not by probate, unless the estate was name beneficiary.
In my experience, unmarried people usually moniker their parents as the beneficiary, although it could be an old girlfriend too. Since the child be so young, I can almost guarantee they be not named the beneficiary. It take time for the forms even to make it to you. I enjoy know a lot of individuals who have gone decades lacking renaming the beneficiaries.
My very strong suspicion is that the child is disallowed to anything except possibly social security benefits, but I do not construe he lived long enough for the child to qualify for that any.
How can I renew my insurance license surrounded by the State of Texas?
Question:
If i'm not mistaken it expired at the beginning of this year, I'd approaching to renew it but I don't know how to.
Thank you in finance, your help is greatly appreciated.
Answers:
Hi ale!
You go to school to carry your Insurance license to sell insurance, you should bequeath the school a bid and they'll tell you how.
If you still live surrounded by Texas, contact the Texas Department 0f Insurance. They will tell you what you obligation to do. Different states have different requirements, so you'll have need of to see what applies to you.
If you now live elsewhere, you'll own to retest and get licensed surrounded by your new state of residence, next you can apply as a foreign agent in Texas. Again check next to your home state insurabnce department for what they need from you.
OK, it's expired . . . you can't. You own to retest. The state sends you notices for renewal, and noncompliance notice for about 6 months prior to renewal, if you're not current on your continuing rearing.
Insurance oblige!?
Question:
Im 16 and about to procure a car. Im in the region of to get an 06 Sentra and the ballpark estimate isnt working on my computer! can anyone comfort me!? (pricewise!)
Answers:
Contact a local agent. Be prepared to pay through the muzzle - likely you own NO credit score.
On that thought, if the motor is going to be TITLED to someone else, like a parent, the POLICY will enjoy to be in their entitle, as well, and THEIR credit will own to be used to develope a rate.
But depending on where you live and what borders you'll have, I'd guess $5,000 to $10,000 a year, near a new saloon, and a good parental credit chalk up.
In addition to the previous answer, I would not insist on that you start out with a brand spanking new car. With what you'll be paying within a car data (which I would assume is around $200-$300/mo.), you could almost count on the same but for more in an insurance settlement. If you finance the vehicle, you'll have to hold full coverage, and it's not cheap.
Best way to go--start out beside an older saloon, preferrably an American make, and take just liability insurance. Build up some continuous insurance coverage so that by the time you hit age 20/21, you'll qualify for a great policy because of continuous coverage. Keep contained by mind, too, that your driving record wishes to stay clean if you want wearing clothes insurance rates.
Can a insurance company collect put money on pay packet out of my first social payment check.for my long occupancy disability?
Question:
Answers:
It's very possible. The check CAN be attached.
Possibly. Call your local Social Security benefits bureau to find out what's going on. If you have documentation of such a conjecture, be prepared to show it to the SS office.
positively.
If your health insurance or medicaid pays for something that ssdi or ssa remunerated for they can request it back... The same if workers comp is settled or motor wreck. Any settlement type. That's the point of the settlement.
Can a step parent provide condition insurance for step children not living near them?
Question:
the step children live in another state next to their custodial parent.
Answers:
I covered my step daughter on my insurance plan. so it can be done. she didnt live with us for the first 4 years that i have coverage. i didnt even have to show supporting documents because he be my husband and she was his child.
Generally speaking you can solitary provide insurance for dependents (ie spouse, children) that you are legally responsible for. And after they (the insurance) will require a court order that states they stipulation to provide insurance for them althought they don't live with them.
No, unless the court information something else. The PROBLEM is, even if the court orders it, (example) if you live within Colorado, you only enjoy access to COLORADO policies, with COLORADO coverages, and COLORADO providers. If the child lives, vote, in Florida, what pious will a Colorado policy do if they have to move about to a Colorado emergency room?? MOST policies have clauses that one and only provide limited coverage for enthusiasm threatening injuries while you're temporarily out of the area for up to 30 days. If they LIVE out of the nouns, they need a policy for THAT STATE.
Because adjectives insurance policies are regulated by the state that you live in.
That's why, if you own Colorado tags on your vehicle, you need a Colorado auto policy.
This depends on your insurance plan. There are a couple of things to check. First, is at hand a court order which states who is responsible for providing strength insurance for the children?
I have see court orders which cover stepchildren so, even though the hand was not the inherent parent, and was no longer married to the organic parent, because he was responsible for so plentiful years, he was paying support and providing strength insurance.
I would need more details on this one past I said no, or yes. If the step-parent is married to one of the natural parents, and is providing the primary form care for the raw parent, then it is possible that the step-children can be covered underneath the step-parents plan. The primary insured would need to examine their plan and determine if coverage is allowed. Even if it doesn't appear to be so at first, it is possible to bring back it allowed, especially if the children do not have other coverage. Good luck.
Yes, they can, they must be lower than 18. Most policies now pass over when children start college until they are 23, as long as they stay a full-time student.
This is very, extraordinarily common, and a court-order is minor. Step-children are a product of a marriage, and they are not made to be "smaller amount of a child" just because they are a step-child. It's in reality illegal to deny them. Every form insurance company must conform.
Insurance employment?
Question:
I would like to find a great company to work next to since I have only just gotten my Life/Health license. I had this license previously, so I am experienced.
Answers:
I consider Prudential a great company.
well: call in http://www.pe.jobs.com or check your "Classifide
Ads for Careers surrounded by local news paper"
Met Life
I am nearing 62. Do you deem I should collect Social Security at 62, or lurk? Why? Anyone done this?
Question:
Answers:
you need to collect... you own paid your dues and you aree entitled to that. Why not transport the money you paid within? go fishing or doesn`t matter what it is you enjoy. live inwardly your means and spend the rest of your vivacity happy. I truly hold to say congrats for making it that far. So hold your reward and have some fun back the eventual end. Or if by some abnormal reason you wallow in work, stick with it if you ar well doing so. This is really a personal decision. I know if it be me i would take the money and run simply like Steve miller sing. But just receive sure you make the verdict based on what you come up with would truly make you elated.
Sorry, I am too young to go and get social security, but i give attention to around 60's is right, well that's what I bookish in Personal Financing.
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If you don't involve the money right now loaf. If you need it, nick it.
The longer you wait, the more per month you'll receive.
My grandfather is 60 and is he retires at 65, he get alot more money than if he retired at 62, so you should wait a while.
I'd do that, AND jump for welfare.. you're 62.. you could always plead insane and they'll only be all "oh you poor ancient timer".. you've got age on your side very soon.. do something before you waste over
Wait till you're 65, if you can manage it. You'll termination up receiving plentifully more money overall.
wait as long as you can afford to so you can pinch the most possible
No you betta get It know 4 bush stop it and you wont bring ****.
I heard that Social Securty is not giving full benefits anymore to those at 62 unless they are disabled. Check next to Social Security. If you are fit, I don't see why you just shouldn't work until you are primed, but it you want to relax and are ready and can afford to, next you should also. Check the link below:
I help some one consider the options. I'd articulate wait if you possibly can. Starting at 62 as dead set against 65 will mean lower payments for the rest of your energy. It's kind of a double-edged sword: smaller quantity now or tighten the belt and dally.
Calc the SS payments for the next 3 years when you get 65. Then calc the difference in payments at 62 and 65.
How long will it whip for the difference at 65 to make up the entire SS payments over 3 years?
Does this compute?
The amount you will collect, from the time you retire at 62 until you die, will be much much smaller quantity than if you wait and retire and collect SS at 65 or 66.
If you're financially set otherwise, contained by good vigour, etc. collect at 62 and enjoy energy. Otherwise wait until 65.
For sure, clutch the money now. It have been proven that overall, you will bring back more money by collecting at 62.
I've attached a link to an interesting article on AARP's website about this issue.
Here's an interesting fact I bookish when a friend of mine started collecting Social Security a couple of years ago. Benefits used to be paid on the first of the month, but for ancestors who started collecting recently, they're compensated on the first, second, third, or fourth Wednesday of the month (depending on your birth date). Not only that, but you can't start getting benefits until the second month after you turn 62. My friend's birth date is February 26, but he didn't gain his first Social Security payment until the fourth Wednesday within April! This means that the Social Security system save almost two full payments from what they would have compensated him under the weak system. I guess this is their way of putting a decoration aid on the massive Social Security deficit, but I think it's a bit of a rip bad.
sure, lots of people do it.
Run the numbers. Make a guesstimate of how long you muse you'll live, based on your people history and health.
Figure out how much your benefit at 62 is, times the years you enjoy left. Now, check your statement, see what the benefit is at 65, and at 69 1/2. Multiply for indistinguishable years you think you own left.
Pick the superlative number.
What do you plan on doing with the money? Your best bet for suggestion on this type of information is to ask a fee-only planner. That way you know they aren't trying to vend you something through their opinion.
Insurance!?
Question:
my dad i guess has this insurance witch does this sice the company be paying for the insurence my dad was working for we get insurence with adjectives the stuff like eye dental and fell well the opportunity was done and my dad doesnt enjoy work any more well he requests work and we need insurance i want contacts and tha insurance payed for it i want to seize contacts before conservatory starts and i need simply help what to do roughly speaking this also i need braces witch the insurance payd for too my dad its kinda adjectives his fault we didnt capture this done because he never wanted to phone up the places or the offices to bring in schedules in a minute im like nutty at him please just tll me what to do
Answers:
Get a livelihood. You can babysit or mow lawns or do dog walking. Save your money. You can get contacts for underneath $200, including the exam. You can earn that much in a month short trying too hard - or contained by one week working your butt off.
It's up to you.
Welcome to the concrete world!!
You also need a tutor.
read instrucyions here it may assistance u
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Hi Kristen,
Very affordable benefits:
http://www.everyonebenefits.com/40421615...
We cover everything. Hope this helps.
May God and Jesus Bless You Always,
Joelle Niedecken
Has Your Insurance Company Dropped You After You Needed Them To Cover You After Years of Paying On Time?
Question:
Answers:
Nope.
But what does the "years of paying on time" have to do beside anything? If you buy lottery tickets every week, and forget one week, and your numbers come in, do you expect to be remunerated?
Insurance is GAMBLING. Your annual premium has a SET TIME PERIOD it covers. No more, no smaller quantity. Every time the policy renews, the terms are subject to adjustment - if you have two saloon accidents this year, you can be darned sure they're going to retract you NEXT year. THE TERMS CHANGE. You're MUCH higher risk after you've file one claim.
Insurance coverage is an annual contract. Whether or not you paid one singular insurance company a lot of money is pretty irrelevant.
Does anybody fathom out the foreign PQRI finishing that Medicare started on July 1st?
Question:
I'm guessing any answers I get will be smarta$$ ones, but I'm asking anyway.
Answers:
As next to any government program at hand is way too much detail to travel into here. You can find information at the CMS website http://www.cms.hhs.gov/pqri/31_pqritoolk...
Not really...
But, here what I do understand thus far... It resembling a pay for running -- or bonus-- for doctor's who meet the criteria they establish. They'll furnish you a 1.5% bonus maybe, or something.
The criteria have to do with positive clinical outcome & dollars spent.
try the faq's @ www.cms.gov
Is form insurance worth the money?
Question:
I have be with Bupa condition insurance for years but have never used them. I'm 21, Do you imagine I'm to young to entail insurance as I will most likely not stipulation any untill I'm in my 40s. Is it a wast of money? Its solely lb52 a month so not to expensive but I suppose I could spend the money on things I enjoy. What do you ruminate.
Answers:
My personal opinion is that you paying far too much if you are solitary 21 years old. If you shop around you will probably find impossible to tell apart level of cover or better for smaller quantity than lb30 per month at your age.
With regards to Health Insurance, Is it worth it, my answer would hold to be yes. Ofcourse nobody ever wants to claim but if you do you will be deeply glad that you have the cover surrounded by place. Health insurance is designed to treat short term acute bad health and give you speedy access to medical attention. The NHS is there for adjectives accident and emergency and long term/chronic conditions.
I have health insurance within place when i was your age and thought exactly the route you do but my father made me get it out as i worked for myself. If something happen to me i would require fast treatment and gain back to work. I used it twice contained by my twenties for problems that came completely out of the blue, and i be extremely grateful that i has vigour insurance in place. If i did not i would of be on the mercy of the NHS and who knows how long it would of taken.
If you want some apt advice and perchance a new quote, check out http://www.privatehealthservice.co.uk... as they are unbelievably helpful. Good luck.
Try one hospital visit/stay short it; the bankruptcy you'll incur make it worth it :)~
Its not worth it well your immature. Later on when your older it might be an impression. use the money on something you enjoy
I never thought i would enjoy needed insurance till my car quirk 3 mo. ago that could have cost me 60,000 immediately I love my insurance keep it if you similar to to be safe save don't get hurt to bleak.
Hopefully you'll never need to use it. But you will be so fecking glad you have it if you ever get not at your best. The NHS is slow, and incompetent. Bupa will get you see immediately, and it may free your life.
Think of lb52 a month as an investment within your future, everyone get ill sooner or next.
Enjoy life very soon, and forget about that lb52, pretend you never have it.
YES, you need insurance. The vastly fact you are an developed is why you need it. You are no longer underneath your parents insurance plan unless you are in college. Don't meditate your young age will brand name you exempt from the curse of disease.
If you were to see a financial advisor he would communicate you to also obtain disability insurance too. At such a immature age it is a shame how many disability accident happen and lives are for good changed. Insurance, for a very small amount of money would variety a difference in those lives.
Good Luck beside your decision!
You could pay cheque for a private consultation if you feel you stipulation one and not happy next to your nhs doctor/consultant and then clear private for your treatment,
perhaps put some money away respectively month to cover any private treatment you might need contained by the future and trust to luck, but if you can afford it presently you might not be able to surrounded by the future when other committments/family come along.
Or if the firm you work for offer private health prudence thats another road to look down.
try spending a night on an NHS ward, subsequent to winos, weirdos and mad inhabitants that shout all hours of darkness! That lb52 will sound similar to a bargain! If you can afford it save it, I have private healthcare for my family connections it costs about lb120 a month, even if times be hard I would try to afford it.
This is provided your condition condition is OK when you reach 40.
yes enormously important you never know whats round the corner.//i be with BUPA for 20 eccentric years and had treatment when i needed it but sadly when my premiums reached several thousand i thought ample was adequate but believe me two years after leaving i have to have crucial heart surgery so my personal advice is stick near them
Yes. It's like have a savings for your form.
In the UK, I personally don't see the point contained by buying health insurance, as the NHS provides free healthcare anyway. I don't know of any other country within the world which provides such a comprehensive free-at-point-of-need healthcare system.
On the other hand, if your employer pays most or adjectives of the premiums on your behalf, then you may as ably accept it. I know some companies within the UK provide health insurance for their senior team, so that if they fall bad they don't have to purloin so much time off sick because they will be treated more like lightning.