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#1042729 - 12th Aug 2017 1:49pm Any MPPI / PHI experts on here ?
venice Offline

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Registered: 21st Jul 2011
Posts: 3088
Loc: Wirral
Just want to ask a couple of questions , not advice as to which is needed .

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#1042737 - 12th Aug 2017 7:23pm Re: Any MPPI / PHI experts on here ? [Re: venice]
fish5133 Online   content
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Registered: 22nd Mar 2010
Posts: 3348
Loc: Heswallish
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.

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#1042738 - 12th Aug 2017 7:37pm Re: Any MPPI / PHI experts on here ? [Re: venice]
venice Offline

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Registered: 21st Jul 2011
Posts: 3088
Loc: Wirral
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.

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#1042742 - 12th Aug 2017 8:51pm Re: Any MPPI / PHI experts on here ? [Re: venice]
diggingdeeper Offline

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Registered: 9th Jul 2008
Posts: 10926
Loc: Birkenhead
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.
_________________________
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates

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#1042760 - 13th Aug 2017 11:41am Re: Any MPPI / PHI experts on here ? [Re: venice]
venice Offline

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Registered: 21st Jul 2011
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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


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#1042776 - 13th Aug 2017 4:53pm Re: Any MPPI / PHI experts on here ? [Re: venice]
diggingdeeper Offline

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Registered: 9th Jul 2008
Posts: 10926
Loc: Birkenhead
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.
_________________________
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates

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#1042792 - 13th Aug 2017 7:19pm Re: Any MPPI / PHI experts on here ? [Re: venice]
venice Offline

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Registered: 21st Jul 2011
Posts: 3088
Loc: 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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