I, like many living in Spain, are looking forward to the Ex Pat situation being settled in both countries and when hopefully we will be able to sigh with relief and get on with our lives. Many of us think there is a great possibility that a greater proportion of people will want to leave the UK and come and live in Spain. To avoid the consequences of Brexit, the increasing terrorist threat and to get away from the very frightening press, who seem to take no responsibility for anything that they say nowadays.
Judging from the response that my specialist advisor, Pamela has had regarding the Bespoke life insurance, I have obviously hit a nerve with my recent Sound Advice. I understand there are many of you who have been thinking about a life or mortgage protection policy, but have not taken it any further for a number of reasons. At the same time, I am sure there are many questions that you need answers to. For example, where do you go to get the correct and truthful information, how much will it cost, is a medical necessary, how do you claim, how long does your family have to wait and is funeral cover included like similar policies in the UK? So if you have been thinking about protecting your family for some time, why not call Pamela in our Javea office for a bespoke solution. Protect yourself against the unexpected happening. You should be aware that any debts left by the deceased will become the total responsibility of the next of kin, not forgetting that there will be inheritance tax as well. For those with young families, preparing now could be especially beneficial for you. For a basic cover of €20,000 for under 40 years old, it will take less than half an hour of your time to complete, at an average cost of €50 for a year (with very small yearly increases). In fact, this policy is ideal for any age group. The same cover for a 60 year old would be €130 for a year and for a 65 year old the cost is € 190 for a year. Take action today and make that call, as it could happen to you at any time. There is no decision making process involved, so get it done and protect your family. If you want to renew, review or change any aspect of the policy, you can do this at any time. The cover available is up to €150,000. Just pick up the phone and get yourself covered.
As always, I have some more Sound Advice for you, regarding health insurance which could interest people a little older than 75. This policy can start up to the age of 79, with all the benefits of excellent doctors, consultants and hospitals and instant diagnostic procedures. Hospitalization is a little limited compared to the standard policies, but worth thinking about if you are concerned with the long waiting lists within the national health system. For information on this product and other health policies, please contact Dani in the Javea office, or if you prefer, contact your local office.
For information on insurance, or a quick quote, please call one or my offices or visit my website www.jennifercunningham.net