Paul Jackson
Paul Jackson
Financial Themes LLP
- Orchard Hill
- Milbury Heath
- Wotton under Edge, Gloucestershire, GL12 8QL
- 85.71% of answers helpful
- 7 posts
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I'm buying a house in London where a new transport network is being built. What effect do transport links usually have on house prices?
- misterjoe asked 2 years ago in Other
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Expert Financial Adviser Answer
Paul Jackson
answered 2 years ago
'Practically outside my door' sounds a bit too close for comfort ie if your windows are rattling from tube/train links or you can't move for people queuing at a bus stop. Your house will certainly be more attractive to tenants or future 'buy to let'ers once the transport link is there (although beforehand the property could be less desirable if in the middle of a building site....
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Instead of cancelling my life insurance policy, can I transfer the value I have built up to another policy?
- alisonfarr asked 2 years ago in Insurance
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Expert Financial Adviser Answer
Paul Jackson
answered 2 years ago
In short, no. If you have are retained value/fund you may be able to access part of this with benefits maintained or reduced, depending on the company and type of policy. Regarding the other policy, usually an increased premium is required at review point, not a lump sum. If you wanted to 'invest' monies you are probably better off in an alternative environment than life policies ie ISA's etc
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Can I get life insurance and critical illness cover through two different providers?
- alisonfarr asked 2 years ago in Insurance
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Expert Financial Adviser Answer
Paul Jackson
answered 2 years ago
Critical illness can be purchased on its own but often is very similar (sometimes even cheaper) cost to purchase with life cover (ie single payout on first event basis).
When completing an application form you normally have to disclose how much other cover you have or if you are applying to another company at the same time. Hope this helps, Paul.
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When completing an application form you normally have to disclose how much other cover you have or if you are applying to another company at the same time. Hope this helps, Paul.
What is included in my estate?
- HenryCooper asked 2 years ago in Investments
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Expert Financial Adviser Answer
Paul Jackson
answered 2 years ago
Assets that typically make up an estate for inheriatance tax purposes are :
Assets are anything that has a value, such as:
•money in bank, building society or savings accounts
•houses and land, including farmland
•businesses, or business assets, owned by the deceased (or a business partnership of which they were a member)
•investments such as stocks and shares, including family shares
•personal belongings, including jewellery, antiques and other collectibles
•furniture, fixtures and fittings in a house
•motor vehicles
•pensions that include a lump sum payment on death (as opposed to an ongoing annuity to a surviving partner)
•assets in a trust from which the deceased benefited
•payouts from life insurance policies
•foreign assets held abroad including foreign bank accounts, property or shares
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Assets are anything that has a value, such as:
•money in bank, building society or savings accounts
•houses and land, including farmland
•businesses, or business assets, owned by the deceased (or a business partnership of which they were a member)
•investments such as stocks and shares, including family shares
•personal belongings, including jewellery, antiques and other collectibles
•furniture, fixtures and fittings in a house
•motor vehicles
•pensions that include a lump sum payment on death (as opposed to an ongoing annuity to a surviving partner)
•assets in a trust from which the deceased benefited
•payouts from life insurance policies
•foreign assets held abroad including foreign bank accounts, property or shares
What is cost difference for life insurance between men and women?
- financemum asked 1 year ago in Insurance
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Expert Financial Adviser Answer
Madelin Talbot
answered 1 year ago
Generally when looking at term assurance, which is a type of life insurance, women are cheaper to insure than men as women have a longer life expectancy. However, if we look at critical illness cover then women are more expensive than men, as they are more likely to contract a serious illness.
Without knowing more specific details about the individual we couldn't give a precise cost different. However, running a quote with one insurer, based on a man and female of the same age, and looking for the same cover the woman is 38% cheaper to insure.
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Without knowing more specific details about the individual we couldn't give a precise cost different. However, running a quote with one insurer, based on a man and female of the same age, and looking for the same cover the woman is 38% cheaper to insure.
Can I keep the same mobile number if I am switching to another network?
- dianebarr asked 1 year ago in Switching
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Expert Financial Adviser Answer
Paul Jackson
answered 1 year ago
Yes - you need to obtain a PUC/PAC? code from your current provider to 'port' your number to the new network.
Note - if you are purchasing a new phone check first if this is 'locked' to a neetwork and if so whether it can be unlocked.
I've just moved from O2 to T-mobile and successfully 'ported' my number to a new 'locked' mobile.
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Note - if you are purchasing a new phone check first if this is 'locked' to a neetwork and if so whether it can be unlocked.
I've just moved from O2 to T-mobile and successfully 'ported' my number to a new 'locked' mobile.
