Your Finance Story

Life insurance cover is plaguing me. Why, because I haven't got any. I just haven't seen the point of getting any life insurance cover to be honest. I live on my own. I haven't got any dependents. I have managed to insure my home mortgage payments should anything happen. So no one will have to worry about sorting out my finances.

I have been put off buying life insurance cover because of the rates. I totalled up how much I would have paid out over the next thrty five years and it was unbelievable. One hundred and twenty six thousand pounds.

If I can save that amount of money it may as well be in my own bank account earning interest. It still bothered me though.I felt like I wasn't being responsible and I couldn't understand why. Why exactly do I need life insurance cover. What would be the advantage.I really could not understand it .So I decided to request a home visit so that I could discuss my issues in a relaxed way.

Simon Strudel was his name.He was due any minute. Its a good job he wasn't a girl ,I thought, his parents might have called him apple. Well if famous celebrities can hae children called apple, peaches etc. Ah there's the bell it must be him now.

'Ah hello ,you must be Simon from the insurance company'

'Yes, and you are Sue Boar-den?'

'yes,come in, coffee?'

'actually ,don't mind if I do black one sugar thanks'

'OK two ticks, take a seat'

I left him sorting his papers out while I made us a coffee. He was a it of a handsome one. He must have been about twenty eight or thirty no more. Impeccably groomed,I liked that. He had beautiful shoes . In fact he was my kind of guy.

'There we go, is that ok for you'

'Yes that's fine thanks'

Our eyes acknowledged that we fancied each other but this was a business meeting so we had to behave. We discussed the point of insurance with him trying to convince me I needed it and me trying to convince him I didn't.

'The thing is Sue, you have your security that will sort things out a few months after your death.Yes your next of kin could sell the hose but it could take months .Meanwhile the funeral bills amounting to a few thousand are waiting to be paid. That could present a burden for those left to sort out your affairs.Don't forget that the policy will pay out if your life is over as soon as you have signed'

'Oh OK you've sold me'

After flirting and laughing throughout our business meeting it was finally over and I'd been sold a policy.

'I think we should celebrate yor selling skills' I laughed testing his reaction. I was overjoyed when he took my bait.

'OK I see there's a pub down the road ,how about I buy us some lunch. I don't have to be back in the office today and I don't have any more calls, what do say'

'Yeah great, I'll get my coat'

Off we went down the road to the local pub to begin a new relationship.