Joining us back in the booth is life & health insurance expert, Emmanuel Jones aka Ejay. In this episode we discuss: The key benefits of health insurance, income protection & critical illness cover The importance of checking benefits you get with your employer Should you get health/critical illness insurance if you have it through work? Health insurance vs critical illness cover vs income protection Typical costs for health insurance & critical illness cover Insurance companies really wanting to pay out money to you The most importance insurance to protect yourself The importance of financial literacy at schools What is life insurance in a trust and why you would do this and much more! Connect with Ejay on Instagram here -https://www.instagram.com/ejay_diamond1 Connect with Ejay on TikTok here -https://www.tiktok.com/@moneysavingdad Follow me on: Instagram - https://www.instagram.com/savvywallet Tiktok - https://www.tiktok.com/@savvywallet Check out: https://www.youtube.com/savvywallet for the video version Our partners: Coursera Learn AI, Cybersecurity, Project Management, Data Science & more with Coursera here: https://imp.i384100.net/savvywallet Ato has personally used Coursera to obtain an AI certificate. NordVPN Get 3 extra months free with a 2 year plan: https://go.nordvpn.net/aff_c?offer_id=15&aff_id=106735&url_id=902 Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. TIMESTAMPS 00:00 - Preview 01:20 - Intro 01:55 - Meet Life & Health Insurance expert Ejay 06:37 - If your employer is giving you health insurance take it! 09:13 - Going private vs going to the NHS 14:24 - Car insurance vs health insurance 15:02 - Two types of health insurance…! 18:19 - If you only have one income, listen to this! 21:40 - What’s the difference between health & critical illness insurance ? 25:54 - Should you get health/critical illness insurance, if your employer provides it? 30:20 - If you can’t work what happens to your business? 33:21 - What’s the typical cost of health insurance per month? 36:33 - What is income protection? 43:34 - What’s the typical cost of income protection per month? 46:01 - Income protection vs critical illness cover? 47:50 - Insurance companies want to pay you out! 51:21 - What is life insurance? 53:02 - The state pension is a legal ponzi scheme? 58:06 - What is whole of life insurance? 01:01:05 - What is Life insurance in a trust? 01:04:51 - Financial literacy taught at private primary school! 01:07:31 - What insurance is the most important to get? 01:10:11 - Some providers will penalise you if you have same family conditions 01:13:44 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

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