Are Insurance Premiums About To Rise?
New advice published by the UK’s Chief Medical Officer this month [January 2016] says men and women who drink regularly should consume no more than 14 units a week - equivalent to around seven pints of lager or four large glasses of wine. The new drinking guidelines (the first to... Read More 
What Are Your Top 5 Financial Resolutions For 2016?
It's the New Year - and we all know what that means: It’s time to be determined, decisive and make some elaborate resolutions that we all know we’ll never be able to stick to! But what if we could make some choices that could really make a difference to our... Read More
Win a Spa Day For Two Worth Over £100!
Whether it’s our no nonsense straight talking or willingness to take care of paperwork for you or our relentless searching for the right policy to meet your needs and your budget, here at Essential Insurance, we’re all about making buying life insurance a little easier. We all need time to... Read More
Is It Better To Use A Broker For A Life Insurance Quote?
If you wanted to buy a new car seat for your child to use in the car, you would probably ask your friends or family with children to see what car seats they had purchased. You might do some research online to see what types of car seat were available, at... Read More
Living Together but Unmarried? The Law May Not Protect Your Family.
Whilst in the UK there are 12.5 million married couple families, cohabiting couple families are the fastest growing type of family, according to the Office of National Statistics, accounting for 16.4% of all families. In UK law, there is no such thing as common law marriage and whilst many people... Read More
Could Life Insurance Cost More For Processed Meat Eaters?
Bacon, ham and sausages now sit alongside cigarettes as a definite cause of cancer, the World Health Organisation (WHO) broadcast today. The link between certain types of meat and some forms of cancer, such as bowel cancer, isn’t new - the evidence has been gathering over a number of years.... Read More
Could Your Life Insurance Pay Out End Up In the Hands Of Your Ex, Rather Than Your Widow(er)?
Sometimes parting ways with a loved one is the only solution. If divorce is agreed, it’s important to try and manage the estrangement with the minimum of fuss, hurt and expense - which is easier said than done in most cases! If you have children, they, as you’d expect, will... Read More
How to Handle a Life Insurance Claim After The Death of a Loved One
Life insurance is for many people, one of the most concerning types of financial arrangements. This could be why only 35% of Britain’s families have life insurance according to Aviva. People can feel very unsettled when they are purchasing the policy… 30% of men and women who participated in the... Read More
Life Insurance and Smoking: The Facts for Smokers and Quitters
What you need to know if you’re looking for life cover and you smoke or if you are thinking of quitting for Stoptober! Smokers do pay more for life insurance, fact! Insurers take the risks posed by smoking seriously and if you smoke your premiums will cost more. So, kicking... Read More
Had a Baby? Have a Plan: Money Tips for New Parents
Having kids means laying the financial foundations for your family. A visit from the stork changes a lot of things. Hopefully, your financial priorities would have changed months ago – planning and budgeting for the new arrival, setting up savings accounts, and not forgetting the appropriate insurance, to safeguard your... Read More