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.

Ashley Shepherd
Never too young to plan your funeral Image
22nd Feb 2018

Never too young to plan your funeral

Perhaps the constant media attention about rising funeral costs has started to hit home, or is it just our attitude towards death has changed and in this new digital age we have a more pragmatic view on life ndash; and of course death!

Are health cash plans a good idea? Image
16th Feb 2018

Are health cash plans a good idea?

Health cash plans allow you to choose the consultations, check-ups and treatment you want, pay for it, submit the invoice and receive reimbursement of between 75% and 100% of what you spent

Is it time to get help for your loved one?  Image
15th Feb 2018

Is it time to get help for your loved one?

A big highlight of the holiday season is getting the whole family together. But spending quality time in each otherrsquo;s company often means we notice changes in an elderly parent or other older relative that may have been overlooked before.

Are annuities a good idea? Image
14th Feb 2018

Are annuities a good idea?

So, what is an annuity? Annuities are provided by insurance companies. In return for your purchase of an annuity, the provider guarantees to pay a guaranteed income,nbsp;

Top 10 equity release tips Image
13th Feb 2018

Top 10 equity release tips

Nevertheless, equity release may not be appropriate for everyone. Here are some of our top ten tips and pointers to take into consideration when weighing up your decisionnbsp;

Direct cremation vs traditional funeral: we help you decide Image
13th Feb 2018

Direct cremation vs traditional funeral: we help you decide

There is certainly no pomp and ceremony with a direct funeral ndash; which might take the form of direct cremation or direct burial. Instead, the cremation or burial takes place without any ceremony or funeral servicenbsp;

Is private health insurance affordable? Image
08th Feb 2018

Is private health insurance affordable?

Affordability is extremely difficult to manage of course ndash; it all depends on your personal means and circumstances. What may be affordable to one person, may strike another as expensive.

Worried about paying off your interest only mortgage? Image
05th Feb 2018

Worried about paying off your interest only mortgage?

When you arranged it ndash; probably many years ago ndash; you might have thought an ldquo;interest onlyrdquo; mortgage sounded ideal. It offered a way to pay less on your monthly mortgage amount as you only paid the interest amount over a fixed timenbsp;

Switching your gas and electricity has never been easier Image
05th Feb 2018

Switching your gas and electricity has never been easier

Are you like I used to be and putting off switching your energy to a better deal thinking it is too much hassle, and yoursquo;ve not got enough time? You could be surprised ndash; itrsquo;s easier than you thinknbsp;

Comparing life insurance isn't much fun! Image
26th Jan 2018

Comparing life insurance isn't much fun!

It isnrsquo;t much fun comparing life insurance ndash; but why is that? What does a life insurance comparison involve and what might you be looking out for?

Do over 50s get poor car insurance deals? Image
23rd Jan 2018

Do over 50s get poor car insurance deals?

The risk of an older driver killing a pedestrian in a road traffic accident (one of the most expensive, or ldquo;catastrophicrdquo;,nbsp;risks as far as insurers are concerned) is lower than that for a middle-aged driver and half that of drivers aged under 25

Can I use NHS Hospitals if I have health insurance? Image
17th Jan 2018

Can I use NHS Hospitals if I have health insurance?

The short and simple answer is yes you can, but that simple and straightforward answer rather begs another question ndash; if the NHS is free and universal, why have private medical insurance?

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