Ashley's blog

Ashley Shepherd is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

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Does Martin Lewis like equity release? Image

05th Feb 2020

Does Martin Lewis like equity release?

So what does the Money Saving Expert really think of equity release, what should we be aware of and are there any alternatives.

What is the cost of dying in the UK in 2020? Image

20th Jan 2020

What is the cost of dying in the UK in 2020?

The cost of dying in the UK is now £9,493; an increase of 62% over the last decade. According to the Sunlife Cost of Dying report 2020, this increase which includes funeral expenses, professional fees and ‘send-off’ costs is slowing, however worryingly is still financially beyond many peoples reach.

Is Equity Release a good idea? Image

15th Jan 2020

Is Equity Release a good idea?

Equity release or Lifetime Mortgages as they are known are becoming more popular as people look for ways to increase their income

What happens to my digital accounts when I die Image

16th Dec 2019

What happens to my digital accounts when I die

In this digital age of modern technology, much of our lives is spent online. Social media, online banking, gaming or music; the internet and electronic devices all play a crucial part.

Bereavement services in the UK Image

02nd Dec 2019

Bereavement services in the UK

Find out more about bereavement services and the support available near you. Including whether you are entitled to any cash allowances

Can you have more than one over 50s plan? Image

25th Sep 2019

Can you have more than one over 50s plan?

You can have more than one over 50s plan and beneficiaries can make multiple life insurance claims when you die. However, providers do restrict the maximum amount of life cover allowed per person.

Can I get Life Insurance over 60 years of age? Image

19th Sep 2019

Can I get Life Insurance over 60 years of age?

Life insurance for over 60 year old’s is widely available in the UK. More commonly known as over 50 plans, over 60 life insurance guarantees to pay a cash sum when you die. A simple and affordable way of leaving money for family.

How much equity can I release from my home? Image

29th Aug 2019

How much equity can I release from my home?

The amount of equity you can release from your home ranges from 20% to 50% of the property value. However, this depends on your age and the value of your home. Usually the older you are, the more equity you can release

What does the Funeral Planning Authority do? Image

26th Aug 2019

What does the Funeral Planning Authority do?

Prepaid funeral plans are regulated by the FCA but by the Funeral Planning Authority (FPA).

Jobs for over 50s at all time high Image

30th Jul 2019

Jobs for over 50s at all time high

2019 has been a bumper year for jobs for the over 50s, with employment levels at an all time high and growing numbers becoming self employed; but what is the real story behind the headlines?

What happens to equity release when you die Image

12th Jul 2019

What happens to equity release when you die

Equity release is repaid when you die or move into long term care, usually from the proceeds of the sale of your property. Read more.

What is equity release? Image

04th Apr 2019

What is equity release?

Equity release is a way of unlocking money that is tied up in your home, giving you a tax free cash sum to use how you wish. There are no monthly repayments and the cash can either be taken as a lump sum or drawdown when you need it.

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