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Samuel Said:

Life, health insurance for self employed cabin crew.?

We Answered:

I don't know about the UK, but in Canada if you go see an insurance broker they can take care of all the insurances that you need/want as a self employed person (Personal Health Insurance [medical, dental, ptical], disability[loss of earnings], life, critical illness, long term care, etc). Plus an insurance broker can shop around the whole market to make sure you get the best deal out there as well.

Wesley Said:

What happens in the UK if a family cannot afford the cost of a relative's funeral?

We Answered:

I think the council will pay for a basic cremation but they would expect any belongings of the deceased to be sold & any money raised to be given towards the costs.

Vincent Said:

Help with Insurance policies?

We Answered:

To cancel your current accident plan phone the insurance company first, tell them what you want to do. Ask if they can extend the Personal Accident policy to include sickness.

Few insurers have a combined Life and Accident policy.

You may need two policies, possibly with the same insurer but that shouldnt matter.

I suggest that you keep your PA policy and have a life policy, the cheapest type is called Term Assurance which pays out if you die in a certain period of time, say 10 years. You will get nothing back if you survive the 10 years, but it is cheap and easy cover.

Norwich Union, and many others will offer this type of cover.

The will also offer a Personal Accident and Sickness policy if you would prefer to move away from your current insurer.

Very few people buy true sickness insurance policies, it is comparatively expensive.

Much more useful is cover that used to be called Permanent health Insurance which provides you with an income if you are unable to do your usual job and pays out until you reach your normal retirement date but is unlikely to pay anything for the first 3 or 6 months of a disability

Brad Said:

HIV+ and Life Insurance?

We Answered:

There is no requirement to notify a life insurance company of the present condition of ones health. Your partner had the policy for 15 years so the policy will pay the death benefit regardless of the cause of death.