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Any MPPI / PHI experts on here ? #1042729
12th Aug 2017 12:49pm
12th Aug 2017 12:49pm
Joined: Jul 2011
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venice Offline OP

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venice  Offline OP

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Just want to ask a couple of questions , not advice as to which is needed .

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Re: Any MPPI / PHI experts on here ? [Re: venice] #1042737
12th Aug 2017 6:23pm
12th Aug 2017 6:23pm
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fish5133 Offline
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Not an expert but can tell about the one we have. Its like a life policy based on a reducing mortgage value. Premiums a bit cheaper .. it assumes you don't need as much money to pay off your mortgage in the future (as it gets less with the years you've paid off) should you become ill or die. Has a table telling what you would get paid out with in a particular year.

Re: Any MPPI / PHI experts on here ? [Re: venice] #1042738
12th Aug 2017 6:37pm
12th Aug 2017 6:37pm
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venice Offline OP

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venice  Offline OP

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Many thanks fish,but not the question I had, was wondering amongst other stuff how easy it was to move between different types of protection . . Seems my offspring has managed to 'phone a friend' lol for the advice needed.

Re: Any MPPI / PHI experts on here ? [Re: venice] #1042742
12th Aug 2017 7:51pm
12th Aug 2017 7:51pm
Joined: Jul 2008
Posts: 13,912
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diggingdeeper Offline
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diggingdeeper  Offline
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It may also be worth looking at standalone PPI instead of MPPI which would increase future flexibility.

Personally I get half-way through the small print on protection insurances and realise your only definitely eligible for a claim if its an eclipse of a blue moon on a tuesday, every other claim has a degree of subjectiveness.

Best of luck.


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Any MPPI / PHI experts on here ? [Re: venice] #1042760
13th Aug 2017 10:41am
13th Aug 2017 10:41am
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venice Offline OP

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venice  Offline OP

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Thats exactly my feelings on it too DD , but its a matter of
"Do yer feel lucky, punk ?" you can be screwed without it sometimes . Having said that , an old neighbour never ever insured his property for the whole of his life , and saved thousands in premiums . The week after he sold it , it got horrendous freak storm damage. Presumably the buyers could have been 'unlucky' if they hadnt put insurance in place in time


Re: Any MPPI / PHI experts on here ? [Re: venice] #1042776
13th Aug 2017 3:53pm
13th Aug 2017 3:53pm
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diggingdeeper Offline
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diggingdeeper  Offline
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To be fair, in real terms house contents and building insurance has come down in price substantially, I know some people paying around 200 a year for the combined policies.

Its the mortgage protection (health/unemployment) that I have an issue with. I spent about 30 mins with a seller asking them to describe a circumstance where I could claim - the result was that if I got redundancy lump sum or ill health retirement lump sum I couldn't claim within at least the first 6 months (it was a cash handout from employer so classed as as income), but any claim could not be deferred more than 6 months, in other words it was useless to me. Hopefully the rules are better these days, that was a long time ago.


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Any MPPI / PHI experts on here ? [Re: venice] #1042792
13th Aug 2017 6:19pm
13th Aug 2017 6:19pm
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venice Offline OP

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venice  Offline OP

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Wirral
Well its a lot more regulated that it used to be , so fingers crossed the kids will get better deals than with all the misselling of the past.It gives me a major head ache just by thinkiing about reading the small print!


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