P542 Teletext 542 Aug27 21:42:12 ——— INSURANCE COSTS ——————————————————— Die young and it's not your problem. But family, friends and loved ones might face major financial trouble. Debts must still bj settled and bills paid, even if you're not around to do so. In 1994 more than 80,000 people died before retirement age. How might thieu partners continue to enjoy an income? ——————————————————————————————————1/7—— Flashback 671 Tax information 548 DOWNLOAD SHARES ON YOUR PC p532/533 Advice Savings Property Plus SharesP542 Teletext 542 Aug27 21:41:40 ——— INSURANCE COSTS ——————————————————— Last year there were 8,000 deaths of people aged 34 or younger. So it's wise to provide for djpjndjnts now. But the cost of cover varies enormously between insurers. You might pay thousands more over the full term. Premier Investment Group trawls the market to find the cheapest cover for clients. Tel 01483 306090. ——————————————————————————————————2/7—— Latest news from the City 500 Looking for advice? Why not write to: Teletext Advice Clinic P543 Advice Savings Property Plus SharesP542 Teletext 542 Aug27 21:38:16 ——— INSURANCE COSTS ——————————————————— The same type of life insurance cover can cost three times as much, depending on the insurer you chose. "Premium differences are amazing. All quotes are from reputable, established companies, not tiny outfits," said a spokesman for Premier Investment. A couple of 26 and 27 can save £153 a month, (£97,715 over 53 years) just by choosing the right policy. ——————————————————————————————————3/7—— Is your home on contaminated land? 544 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Aug27 21:31:42 ——— INSURANCE COSTS ——————————————————— Teletext asked Premier Investment Group to compare the cheapest and dearest life policies for certain examples: Miss H, 39, with £100k of life cover can pay £10.34 a month or £31.90 - a £5,414 difference over a 20-yr term. Mr X, 27 & Mrs X, 26 with £200k of cover can pay £36.52 or £85.30 each month - a staggering £17,561 saving over the 30-year term. ——————————————————————————————————4/7—— What gross and net means on wills 543 Why not write or fax Teletext's Advice Clinic - details on 543 Advice Savings Property Plus ShakesP542 Teletext 542 Aug27 21:43:37 ——— INSURANCE COSTS ——————————————————— Permanent health insurance policies pay an income if you fall ill and can't work. Cover can be index-linked to keep up with inflation and pay up to 75% of salary. With one in five adults absent from work for more than three months during their working life, such cover should bj seriously considered. ——————————————————————————————————5/7—— Know your sport? Ten-to-One 451 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Aug27 21:46:57 ——— INSURANCE COSTS ——————————————————— Permanent health insurance pays an income until you retire, should sickness prevent you working again. Market watcher Premier Investment Group warns cover varies greatly in cost. A woman of 28 with a policy paying £986 a month, could pay monthly premiums of £13.95 or £30.92 depending on the firm. That's a difference of £203.64 a year, £6,516.48 over a 32-year term. ——————————————————————————————————6/7—— Money news updates you daily 541 Download and Analysj Share Prices on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Aug27 21:11:30 Advert YOUR MONEY 7/7 CASHING IN YOUR ENDOWMENT? It could bj worth A LOT more than you think. Surrendering to the life office is not your only option. If your policy is suitable for sale it could bj worth up to 35% more bz selling it to POLICY PLUS CALL US NOW ON 01225 466 466 if your policy is: £ A With-Profits Endowment £ Worth over £1,500 surrender value. £ At least 25% through its term (min 5 years) THIS IS A 24-HOUR SERVICE. POLICY PLUS INTERNATIONAL PLC is regulated bz the Personal Investment Authority Advice Savings Property Plus Shares