Everyone is entitled to take out life insurance cover whether you’re single, widowed or disabled; the level of cover will depend on how much you pay in and your circumstances. There is a discrimination act that states that insurers are not allowed to make you pay more if you have an ailment. Saying this, if they can prove that this is justified then they can get away with it. The one thing to remember when taking out insurance for a disabled person is some insurers may not pay out if the death was because of a pre-exiting condition. So when taking out a policy read it over thoroughly to make sure it meets your needs before signing any paperwork, otherwise the contract is legally binding.
Why is insurance for disabled people important?
Just like everyone else, people with disabilities can still live normal healthy lives without their ailments getting in the way. If they were to die, then it’s reassuring that funeral costs and any other expenses will be covered in the event of a death. If it is found that a disability could have a negative impact on life span, then insurers can make you pay higher insurance premiums and the only way to avoid this is to shop around.
How to get lower disabled life insurance?
Speaking directly with an advisor who deals primarily with insurance for people with disabilities can save you a lot of money. They will understand the type of disability you have and will be able to find a policy that covers everything you need and also at a reasonable price. Years ago it was hard to find an insurance company that would take on people who have disabilities whether it was from birth or developed later on in life. Nowadays there are many companies that have been set up to offer better deals for people that do have disabilities due to experience and knowledge in this field. Unfortunately comparison websites do not really give you the option to list your disability and even if they do, they will most probably not accept you.
What insurers must do when a customer approaches them for a quote is do a risk assessment to see if they are high risk and if the customers’ disability would affect the life insurance quote. In most cases disabilities will not have a detrimental effect on the life insurance quote but if the disability causes death, then the policy will not be valid. If this is the case, the insurer will inform the customer that pre-existing medical conditions contributing to death will account in the policy being void.
Very rarely is there an opportunity to get stuff for free, so if you do see a good deal what do you do? Go for it or let the opportunity pass? If you have a little time to spare, there are loads of things you could have for free including meals, holiday accommodation, money and many more. These offers are around us all the time but many do not take the time to read the offer properly and dismiss as a scam. Here are some of our favourite money saving freebies.
Free stuff for everyone
Free food – there are a few restaurants offering 2 for 1 meal deals and 50% off; all you need to do is print off the voucher from their website and present it when you go to eat. The restaurants participating are Cafe Rouge, La Tasca, Ask and Pizza Hut; these are just some to name a few. There are also many restaurants that let kids eat free with every paying adult so look out for those too. Another way to get a free meal is to write a short review of your dining experience in return for a voucher to eat in some of the best restaurants.
Loyalty cards – as many people stay clear of these for good reasons, loyalty cards such as Boots which offer four points for every one pound spent and Tesco clubcard which offer 100 points for every £1 spent and is redeemable in store. Tesco also allows you to exchange vouchers for meals out, days out, cinema tickets and even Open University payment. Nectar is also another loyalty card that really pays off with points collected from high street shops, Homebase, online, restaurants and even at petrol stations. Nectar card holders are able to spend points on holidays, fashion, beauty products and so much more.
Free wine – if you enjoy a glass or two, you can enjoy free wine tasting with Majestic; they run a 2 hour introductory course about the basics of wine and also host free wine tasting all over the country. Check out their website for more details and information on how you can be part of this free event.
Entertainment – there are free sites you can register on to get free tickets for the latest films and TV shows such as Britain’s Got Talent and QI. As they issue more tickets than they have seats you may have to queue but if you lose out don’t worry as you will usually get priority for another show. Tickets are on a first come first serve basis so get in there quick.
Exercise for free – under 16’s and over 60’s can currently swim for free until 2011; you will need a card that costs £2 but in return you can swim as often as you like. Anyone of any age can also get free tennis lessons with a charity called Tennis for free so if you have always wanted to try it, now’s your chance to try for free.
Holiday for free – there are some websites that allow you to register so you can get free house swapping, house sitting or offer a space for someone to stay for free. You can get free accommodation from places as close as Italy and as heavenly as Fiji. You will also be offering a place at your home but you don’t have to accept any offers.
What’s even better about all the free stuff is they are all really free, if anything what will be lost is the time it takes to register your details before savings can be made.
With the shrinking economy and university degrees being worthless, it’s not hard to see why many students are shunning A-levels and settling for just having GCSE’s. Parents are also finding it hard to fund their children though University and there’s also the problem of the big debts students are left with when they finish University. If you have been unfortunate to be left with just GCSE’s, there are still jobs you can get that will still provide you with a sufficient income to do all the things you would like.
Jobs that require only GCSE’s
Receptionists – all companies need someone on the front desk so there will never be a short demand for receptionists. There are a wide range of environments that receptionists work from including, hospitals, schools, sport centres and big or small business. Not much is required from you but a general idea or some work experience will come in handy. Salary between £12-16k rising to £20-24k.
Medical secretaries – they are always needed to help run the administration office and type medical and non medical reports for patients. You will need good English skills and typing skills, a secretarial course is recommended to help you take the first step. Salary for NHS £14-22k, the private sector offers more money varying from £16-26k.
Accounts clerks – as long as there is a thriving business there always will be the need for accounts clerks. You will need to have good maths and confident use of computers. Experience is helpful but there are many employers who will train you from scratch. Salary £12-16k rising to £20-22k with experience.
Fitness instructor – this job is always up for grabs in the New Year when Gym membership is highest after the festive period. You may need a qualification to gain employment like a short college course but there are also assistant instructor jobs available with the chance to gain a nationally approved qualification. Salary £13k rising to £20k, as you get experience look into going freelance where you could earn £20-35 an hour.
Customer service – usually to resolve complaints, enquiries over the phone, face to face or through emails. A standard general education is expected with excellent people skills required; no experience is usually required. Salary £13-19k.
Waiting staff – needed to take orders, serve customers and sometimes prepare food. You won’t need much other than good English and Maths GCSE’s and excellent people skills. Salary £11-15k rising to £19k with experience.
Care assistant – working with children, people with learning or physical disabilities or older people and families. You can usually apply for these jobs and they will pay you while you also study to get a qualification. Previous experience through volunteering or family issues can be beneficial. Salary £12-16k rising to £21k with experience.
There are many employers who do not look down on you if you do not have a degree and although they can help you get better well paid jobs, we all have to start somewhere. There are loads of jobs that don’t require GCSE’s so start looking and earning today.
Travel insurance can prove very useful to have when going on holiday or taking a short break. There’s no reason why people who have pre existing medical conditions shouldn’t get cover either. For people who have disabilities such as having a wheelchair or any other impairment, standard insurance policies won’t cover basics like wheelchair protection. It’s always best to go to an insurer who will cater to your needs. A common myth is that people think that if they are unwell and have pre existing medical conditions that the insurance will be higher or in some cases difficult to approve. There are many travel insurance companies that will insure people with disabilities only, this is sometimes better as they have gained many years experience in this field and can understand and help should you need to make a claim.
Benefits of disabled travel insurance
Unlike other insurance policies, companies that cater for disabled people have standard benefits such as:
As all companies have different limits, they will vary so read over the policy to make sure you are happy with the amounts they will compensate for.
Peace of mind is what all travellers want when they go on holiday whethey they are disabled or not. Many people who have pre existing medical conditions do not travel often due to the uncertainty of getting travel insurance. Why should people who have illnesses have to miss out? Get travel insurance even if you have a disability today to make your holiday more enjoyable should unexpected matters arise.