care to elaborate?

( Windy Pig I'm naturally quite suspicious about the moon., Mon 26 Jan 2015, 12:54, 1 reply, 10 years ago)

needs based
Mortgage outstanding, existing cover, lump sum vs income, life and CIC or life with terminal illness benefit etc.

'Rules of thumb' such as 5 times or 10 times salary are unhelpful and usually result in too much cover being bought.
(dozers, do fuck off ur a nob m8, Mon 26 Jan 2015, 12:57, Reply)

duller than psychochomp
/ac
(old man river possible lesbian, Mon 26 Jan 2015, 13:09, Reply)

guilty as charged

(dozers, do fuck off ur a nob m8, Mon 26 Jan 2015, 13:10, Reply)

I had a FASCINATING discussion about inheritance with a mate on Sunday
I say "mate" ... I mean somebody I never want to speak to again

Unless he wins in which case I'll let him take me out on his massive yacht
(old man river possible lesbian, Mon 26 Jan 2015, 13:12, Reply)

inheritance tax is pretty straightforward to mitigate.
Only idiots get charged the full whack.
(dozers, do fuck off ur a nob m8, Mon 26 Jan 2015, 13:14, Reply)

the only bit I paid any attention to was the big number and the bit about a massive family row
it's clearly quite important to him but fuck a doodle dull it wasn't a pub conversation
(old man river possible lesbian, Mon 26 Jan 2015, 13:16, Reply)

This anecdote is also FASCINATING

(Baggenfrock get fucked, Mon 26 Jan 2015, 13:14, Reply)

we should all have a simultan-o-wank to it

(old man river possible lesbian, Mon 26 Jan 2015, 13:17, Reply)

Maybe if you'd tried harder at school
you could get a more interesting job
(Baggenfrock get fucked, Mon 26 Jan 2015, 13:13, Reply)

maybe if you'd been less unpopular at school you wouldn't have such a crippling personality disorder as an adult.
And maybe you wouldn't fuck your own kid.
(dozers, do fuck off ur a nob m8, Mon 26 Jan 2015, 13:15, Reply)

FEWER

( MEATSNAKE Richard Hammond, Mon 26 Jan 2015, 13:16, Reply)

take it easy on the upset there fella

(Baggenfrock get fucked, Mon 26 Jan 2015, 13:18, Reply)

...says the winner of the 'Lee Scratch Perry' award for upset.
And the Sidney Cooke prize for services to children.
(dozers, do fuck off ur a nob m8, Mon 26 Jan 2015, 13:22, Reply)