Widows & widowers

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Professional Adviser
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Coping with the loss of a loved-one is difficult enough without having to deal with financial burdens that remain. Peter Carvill explores which types of lifestage cover are most appropriate in the event of death

Early contender for observation of the year, heard in a comedy club in Kilburn, North London: "The most depressing statistic about marriage is not that one in three end in divorce but that the other two end in death." And, apart from Romeo and Juliet or Bonnie and Clyde, it is rare for both partners to die at the same time. Not only that but when death occurs in real life, unlike those fictional romantic pairings, there are hefty financial consequences for the survivor in monthly bills and outstanding debts. Gerry Warner, protection development manager at Zurich, offers a concise summat...

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