Women and insurance

It is undeniable that women don't think enough about life assurance and other insurance policies. All too often, married women regard themselves as fully covered by any pension fund of which their husband may be a member, even if it is only the state scheme.

They see themselves as beneficiaries of life assurance policies when their husbands die and don't understand that they may need to consider life assurance for themselves.

One problem is that women are generally the surviving partners in a marriage, but this is not always the case.

It is a fact that women tend to live longer than men, but it is also a fact that 70,000 married women under the age of 35 die each year in Britain.

Any woman dying at such an age or younger is just as likely to leave behind small children as a man.

Still, many women will argue that as they don't work or are not the main breadwinner, life assurance does not matter. Only one in four women have life assurance and that includes all the single women who may have taken it out to supplement their pension later.

What women forget is that they work in the home for nothing, and in return are kept by their husbands: if they die and someone has to take their place, there is little or no chance that a housekeeper will work for nothing and the death of a mother can be just as traumatic financially, as well as emotionally, as that of a father.

If children are small, the cost of even a part-time house. keeper can stretch a budget to breaking point.


Women and insurance

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

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read on: Women and insurance - more

It is undeniable that women don't think enough about life assurance and other insurance policies. All too often, married women regard themselves as fully covered by any pension fund of which their husband may be a member, even if it is only the state scheme.

They see themselves as beneficiaries of life assurance policies when their husbands die and don't understand that they may need to consider life assurance for themselves.

One problem is that women are generally the surviving partners in a marriage, but this is not always the case.

It is a fact that women tend... see: Women and insurance - more