Years Life insurance £60 with £100 cash back @ aviva from quidco
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Years Life insurance £60 with £100 cash back @ aviva from quidco

31
Found 27th Feb
Get life insurance with aviva from £5 per month and get £100 cash back via quidco meaning you will be paid £40 if you take out 1 years cover at £5 per month giving you around £50k life insurance cover. Cash back is paid after 6 months of cover has been paid
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lucyferror6 m ago

How many life insurance policies you can have at same time?


That is depends how many husbands/wives do you have.
31 Comments
How many life insurance policies you can have at same time?
lucyferror6 m ago

How many life insurance policies you can have at same time?


That is depends how many husbands/wives do you have.
darecy11 m ago

That is depends how many husbands/wives do you have.


It was more from a legal point of view
thanks
lucyferror6 m ago

It was more from a legal point of view


I don't think there is a limit on how many you can have. It's more a case of what cover you need for your various assets/family.
lucyferror1 h, 50 m ago

It was more from a legal point of view


There is no legal limit to how many policies you can have - but if anything should happen, a company will only pay out once, on one policy - likely the cheapest one for them.
s24adm21 m ago

There is no legal limit to how many policies you can have - but if …There is no legal limit to how many policies you can have - but if anything should happen, a company will only pay out once, on one policy - likely the cheapest one for them.


I was thinking about few different policies from different companies at same time. I have one included in my work contract which I wasn't aware of. I got one from gmb union in a meantime and this makes me wonder if it'd ok to have 2 or 3 separate policies from different companies
Yes, it is perfectly acceptable to have multiple policies with different companies. You pay your premium, you get £x of cover. At the end of the term (assuming it is Level Term Assurance) then it ceases. If you die in the term, it will pay the £x.
There is no limit on the amount of policies you can take out, although usually when applying a question is asked how much total cover, the sum assured, you have and whether you are applying for more at the same time, this is used to decide whether the insurer will take on the risk as the greater the sum assured the higher the risk which leads to further underwriting issues. The person who said it would only pay out on one policy is totally WRONG, this is not car or house insurance
s24adm41 m ago

There is no legal limit to how many policies you can have - but if …There is no legal limit to how many policies you can have - but if anything should happen, a company will only pay out once, on one policy - likely the cheapest one for them.


I'm not sure that's necessarily true - it would depend on the wording of the policy. Generally I would expect two policies to pay out once each, even if they're with the same insurer.
Edited by: "Youngsyr" 27th Feb
One thing no one mentioned: "From 5 pounds per month",then there is chance you can get paid. Question is how many people can get this deal for 5 pounds per month.
nswsz4 m ago

One thing no one mentioned: "From 5 pounds per month",then there is chance …One thing no one mentioned: "From 5 pounds per month",then there is chance you can get paid. Question is how many people can get this deal for 5 pounds per month.


I have, You just state you can pay £5 a month and they'll provide so much cover for that, For me It was £87,000ish, For you it might be different ;).
"Good news! We've tracked your purchase.

We estimate your Cashback will be available by 29 April 2018"
Guess i am too old.
can you cancel this mid term without penalty?
Sharpharp3 m ago

can you cancel this mid term without penalty?


You can always leave penalty free. Unlike most contracts, increased length increases price as there is more risk of death as you age, so it's beneficial for the insurer if you to leave earlier than the full term.
Nice pic heat added
Has anyone tried to get this when they have an existing policy with Aviva, so that they would ordinarily get a 20% discount? It makes quite a difference. I just got £32,000 cover for a fiver a month, but without using Quidco, it said the same £5 would bag me £52,000 of cover. Big difference!
The link takes you to Aviva but you need to go to Quidco - quidco.com/avi…-MS
Edited by: "RayB" 27th Feb
Heat for the awesome pic
You can go through TCB instead if you prefer and get more cashback than with Quidco
Original Poster
luvsadealdealdeal1 h, 41 m ago

You can go through TCB instead if you prefer and get more cashback than …You can go through TCB instead if you prefer and get more cashback than with Quidco


??? £89.25 with tcb quidco is £100...
Robbiecfc3 m ago

??? £89.25 with tcb quidco is £100...


Highest cashback guarantee - I'll get £105 with TCB
Is this for new customers only?
Cashback down to £85 now.
jimm136422 h, 34 m ago

There is no limit on the amount of policies you can take out, although …There is no limit on the amount of policies you can take out, although usually when applying a question is asked how much total cover, the sum assured, you have and whether you are applying for more at the same time, this is used to decide whether the insurer will take on the risk as the greater the sum assured the higher the risk which leads to further underwriting issues. The person who said it would only pay out on one policy is totally WRONG, this is not car or house insurance


Really? I’m sure I read it on both here several times and moneysavingexpert forums that if the same company underwrites multiple policies they will only pay out on one of them. I stand corrected though if that’s false. I often take out these policy-deals but have been making sure they don’t overlap with my proper insurance providers just in case.
I would check up on that if I were you as you could be doing a disservice to folk who have more than one policy and cancel because what you have said leaving a family considerably poorer. I am fully qualified and directly authorised although I would never tout for business on here, just trying to put the record straight.
Well, I'm in my mid-30's, slightly overweight but otherwise OK, good dental health, don't smoke, don't do drugs, drink almost nothing, I'm not on 'meds, I'm in a low-risk job, haven't traveled to the 3rd world, ever, and last time I had a GP issue it was last year for an ingrown toenail (5 days off work, can't use manual car). Oh and I also have car insurance with Aviva. Anyway result: they still wanted to consult an underwriter and today:


Based on information on your application we’re unable to offer cover at this time. We will be happy to reconsider a new application in 0 null time


This online decision process has been carefully designed to give the same decision that one of our specialist underwriters would have given. We’re confident that referral to one of our underwriters wouldn’t result in a different decision.



But on the plus side they were hinting at ~£90K cover for £5/mth, which seems quite good. Guess I just have to try someone else though.
That underwriting decision was probably made by AI, its the latest thing. Robot says No,,,
luvsadealdealdeal27th Feb

Highest cashback guarantee - I'll get £105 with TCB



Cashback is not guranteed. What about if they do not pay you ??
So is it best to take out a years cover get cash back then do the same next year? We’re both in our 50’s so might get a joint cover, nice to know there is a little extra cover
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