4381
General Discussion Area / Re: Sunlife Insurance
« on: 17 October 2021, 10:03:59 »Save a bit by choosing cardboard coffins which we will have, as did my mother.And hope it doesn't rain as your being carried from hearse to service.
- 26 April 2024, 14:05:42
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4382
Omega General Help / Re: Lack of heating - pfl 3.0 MV6
« on: 16 October 2021, 22:06:25 »Well I think it’s two fold.Just checking you weren't sending Al down a blind alley. Your first post wasn't that clear.......to me.
Certainly not blowing on screen when selected and don’t believe there is any hot air coming out the bottom or middle vents 🤔
4383
General Discussion Area / Re: Sunlife Insurance
« on: 16 October 2021, 19:22:25 »I did a quick guesstimate before, the above figure is accurate. They make their money from investing what you give them, not necessarily from you. Tight bastard.Get lucky by dying, ffsIf you know you are on the way out then buy a policy.Nonsense.
If you expect to live more than a few years then don't.
Both my parents had a policy. From memory the total payout was around £2500......the amount paid in premiums about four or five times that.
Just like a fruit machine the company wins far more times than it loses. This is how they stay in business.
Some people will 'get lucky' but the majority won't.
The amount I pay each month means it will take 19.7 years before they make a profit from me. You tight bastard.
It was 24 years a minute ago.
Either.....you did well to get such a good deal.......or you are crap at maths.
There is a reason why these over 50 scams are pushed so vigorously. They make lots of money for the company.
Personally I think there are better ways to invest money.
4384
General Discussion Area / Re: Sunlife Insurance
« on: 16 October 2021, 18:56:42 »Get lucky by dying, ffsIf you know you are on the way out then buy a policy.Nonsense.
If you expect to live more than a few years then don't.
Both my parents had a policy. From memory the total payout was around £2500......the amount paid in premiums about four or five times that.
Just like a fruit machine the company wins far more times than it loses. This is how they stay in business.
Some people will 'get lucky' but the majority won't.
The amount I pay each month means it will take 19.7 years before they make a profit from me. You tight bastard.
4385
General Discussion Area / Re: Sunlife Insurance
« on: 16 October 2021, 18:48:33 »If you know you are on the way out then buy a policy.Nonsense.
If you expect to live more than a few years then don't.
Both my parents had a policy. From memory the total payout was around £2500......the amount paid in premiums about four or five times that.
4386
General Discussion Area / Re: Sunlife Insurance
« on: 16 October 2021, 16:25:19 »They don't just leave you in the chair in the cornerSo you'll expect your ma to get you buried on the social if none of your relatives can afford it?
https://farewill.com/articles/what-happens-if-i-cant-afford-a-funeral
That's what happens after they've asked your kids, your brothers and sisters, your aunts and uncles, etc.
Give it up, your clutching at straws....again.
4387
General Discussion Area / Re: Sir David Amess MP.
« on: 16 October 2021, 12:46:00 »I agree. If there is no realistic doubt to guilt (DNA, irrefutable eyewitnesses etc.) then hang them by the neck.You mean he knows his back benchers would hang him out to dry were here even to dare thinking about it. Not that he would even think about it.
It wont happen though, as almost all of our Politicians are completely spineless these days.
For a start the Govt. would have to get rid of the so called "Human rights act", and the "Liberal" media will go berserk if they try to do that.
Boris has a huge majority and should be able to do exactly what he wants, but he doesnt have the conviction or the guts.
4388
Omega General Help / Re: Lack of heating - pfl 3.0 MV6
« on: 16 October 2021, 10:44:41 »
When you say nothing is blowing on to the screen, do you mean it's blowing hot out of the lower vents but not moving up to the screen when the controls are set that way?
4389
General Discussion Area / Re: Sunlife Insurance
« on: 16 October 2021, 10:41:19 »Or you can live to 90 and still only get two grand. Which is somewhat less of a deal.Again, you're missing the point. If you, or the ones you leave behind, can't afford a funeral, this takes away that worry should you die. If you live till 90, you will have paid in more than you get out, but that's a chance you take for peace of mind.
I took out a Sun Life plan about 14 years ago. It will take another 10 or so years until I'm out of pocket. I'm not hoping to die before then so I can feel pleased with myself that I didn't get conned.
4390
General Discussion Area / Re: Sunlife Insurance
« on: 16 October 2021, 06:49:50 »Exactly. Pay £5 a month for, let's say, fifteen years. Her indoors would be lucky to see two grand out of it, at best.You're totally missing the point. It is not a savings account, it is a life insurance account. The £5 a month in your first instance would pay the two grand after twelve months, that's a fair old return on the sixty quid you paid in.
As a sensible example, Aviva offer over 50's whole life cover.
Pay £100 a month (£1,200 pa) for 30 years (£36,000).
How much do you think they will pay out?
Answer is £26,000 and change.
Stick £1,200 a year under the mattress for 21 years and you will be no worse off.
If you can, get Term Life rather than Whole life. It won't pay out after a certain age, the premiums are significantly lower
4391
General Discussion Area / Re: Sunlife Insurance
« on: 15 October 2021, 21:55:00 »They are.WTF are you on about?
Your first couple of years 'contributions' cover the cost of the free gift and the cost of running the policy. The rest of your payments will be lucky if they make 3%.
I would go as far as to suggest that you would probably make more selling Costco bog roll on Faceachebook market place.
It's not a with profits policy, it a 'pay till you die and we'll give your missus a few bob' policy.
4392
General Discussion Area / Re: Sir David Amess MP.
« on: 15 October 2021, 21:54:00 »
I notice the bbc took off HIGNFY tonight, there must have been something that could have been construed as distasteful.
4393
General Discussion Area / Re: Sunlife Insurance
« on: 15 October 2021, 21:08:25 »
Opti will be along to tell you these policies are daylight robbery.
4394
General Discussion Area / Re: Sunlife Insurance
« on: 15 October 2021, 21:07:39 »
If you've only paid three months, tell Sun Life to wedge it (you can cancel any time) and go somewhere else. I know you have to pay in for a certain amount of time before you can claim, so you're put back three months, but hey ho.
4395
General Discussion Area / Re: Sir David Amess MP.
« on: 15 October 2021, 20:15:14 »A British citizen with Somali heritage.Caught the tail end of a news bulletin which referred to "the suspect detained" as being a foreign national..
25 year old Somalian.
Which kind of makes it worse.