life insurance is just not necessary. These are people aged between 18 and 65 who do not have dependents. Having said that, without doubt, there are still many families in the Swiss Re survey that have been correctly identified as desperately needing life insurance. So if they need life insurance, why do they hold back? Undeniably there are still many people who have no understanding what life insurance provides and because they don't think about it, they don't care, and nothing ever gets done. After all life insurance isn't a fun buy - there's no enjoyable window-shopping or pleasure in owning it. The chances are that unless financial advisers sit down and talks to these, they'll remain totally uninterested and uninsured. Newspaper reporting given to the insurance industry also tends not to help. The Sunday papers in particular are regularly full of stories about one family or another that has had a claim turned down. These stories make the headlines, as behind them there's invariably a poignant tale of personal tragedy and distress. It all gives the life industry a tarnished image and creates a feeling that they can't be trusted. In practice, when you read the stories, the reason for the claim being refused often comes down to the fact that the policyholder missed off some relevant information from their application form. Nevertheless, some refusals are clearly wrong and this undoubtedly damaging. Then there are those people who fully appreciate that they need life insurance but just can't be bothered or say they can't afford the premiums. More realistically, for many ôcan't affordö actually means, ôI choose not to affordö. They might be happy to spend ú100 at the pub each month but are unwilling to cut back a little to pay the premium that protects their family's future. For sure, there is no disputing the fact that some life insurance applicants have found the final quote to be genuinely unaffordable. Whilst for the majority, cover at standard premiums is affordable, over the last seven years we've seen a huge rise in the number of people who have seen the proposed premium substantially increase once the insurer has looked at their application form. It's a result of the life companies making it harder for people to meet the company's definition of ôhealthyö. Seven years ago half as many applicants were seeing the price increased as a result of the insurance companies classifying them as an above average health risk. Even a few years ago it was usually obvious
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Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Gram Ponante Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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