It took a sucker punch in the street for me to see this but hopefully you will just need this video. Lifesearch (the company I used): …
source
It took a sucker punch in the street for me to see this but hopefully you will just need this video. Lifesearch (the company I used): …
source
Input your search keywords and press Enter.
44 comments
Damo didn't get punched in the face, he got a lip filler and a bbl.
Thanks
Bro, that guy hit you so hard. I can't believe how good you look now!
I thought I had trading figured out as well, watched YouTube, followed signals, lost money, until I came across a professional who is consistent, now I don't just take random trades, I move with strategy, clarity, and purpose. My portfolio has seen consistent ›growth, and more importantly, I finally feel like I know what l'm doing.
This is absolutely spot on. Thank you!
Amazing that's US 😍
I had personal injury insurance to cover me whilst I was in the Army and was medically diacharged with hearing loss. Tried to claim and was told that I wasn't deaf enough and needed to be low a certain threshold on all frequencies. I complete con, but because it was in the policy particulars and is common with insurers. My career is finished, my life is ruined and now its back to reality of civi street.
Please do self defence classes Damien. Boxing and Muay Thai ideally 🤝🏽👊🏽👊🏽👊🏽👊🏽👊🏽
Income protection should be essential for everyone. My husband (boyfriend at the time) got a horrific viral infection less than a year after graduation at 24years old. He never recovered and for the last 5 years has been bed bound with severe ME. Took us years to fight for a measly £400/m in disability benefits. Our lives will never be the same. If we gad got income protection when we graduated we would have been so much more financially stable, and the lack of financial stress maybe would have let him recover a little bit. You never think you'll have to stop working until you do. Get income protection.
We took out life cover with critical illness when we first bought a house in early 2000s. It was lifetime and it was index linked. Unfortunately by the time we got to our late 30s the index linking to inflation priced us out of the policy 😔 apparently they don’t really offer these kinds of policies much now? It was because we were made to have a medical at some point along the way and my partner’s blood tests weren’t amazing (we had just returned from a two week holiday in US!). And they used it against him so hiked the price! So eventually the insurance cost him about three times as much!!! Which we couldn’t afford.
In the end we changed it to a different provider with an IFA, to a time limited insurance. Which is a shame as we gave up a very good one that was for life. I remember the IFA telling us don’t worry about over insuring as your mortgage is almost paid off (our late 30s at the time). I insisted on not following that advice because how did he know we weren’t going to remortgage or purchase a bigger house at some point? I was then expecting a child as well. And I was right, because a few years later we did remortgage to have an extension…and so at least it covers the new mortgage. Because getting more cover once you’re in your 40s would be so much more expensive.
He also tried to make the premiums cheaper for us by getting us to have a shorter term of cover. I insisted it’s later and again I was right because our remortgage term is quite long!
So yeah, don’t just go for what’s cheapest.
Absolutely legend…I’ve been meaning to get this sorted for ages. I listened your podcast with Naomi ages ago and have been meaning to go back through and find her info. Now I’ve got it from this video, I’ll give her a shout this week 👍. Watch all your stuff…keep up the good work!
Thank you.
Unfortunately income protection or critical illness covers are crazy expensive.
Hi Damo I am thinking of using some of my Vanguard life strategy equity fund and swapping it for an FTSE 100 or 250 fund for my stocks and shares ISA allocation. Would you be able to do a video on which ftse funds suitable for isa transfers would be a good option for the moment? many thanks in advance Richard
Damien, genuinely, thank you so much for the effort you go to to making these videos – I came across your channel about a year ago and it completely changed my outlook on how I managed my money (which looking back was pretty atrociously!) – you have a rare gift of explaining what I'd imagine some people consider quite a boring subject in an engaging and thought provoking way – keep them coming!
hahahah I almost spat my tea out at 0:15 seconds in – you got to the likelihood of me dying so fast 🤣
Life insurance is not for me
Just checking if you are outreaching to comments by inviting to connect on googlechat. This seems rather a unique approach, so before responding, some confirmation would be cool.
Obviously it's crypto….You definitely need it but don't have it😂. I have made $320k so far these past few days just by investing with bitcoin and Solana. Life is good ❤
Hi Damo,
Could you do a video on something to do with property alongside investing? Perhaps returns of property investing vs stock market, pros and cons of each. Maybe even do a video on house deposits and whether it would be better to use a smaller deposit and leave the rest in the stock market. Something along those lines!
Thank you for featuring David C Haehnel in one of your videos. I took your advice and contacted him for investment opportunities, and the results have been incredible. Started with slightly less than $40k, and now I've paid off my $529k 12 years loan in 16 months. Now totally debt free with 2 paid off rentals.*
I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $150,000 annually) and don't owe a dime to anyone. It's a good feeling!
*Thank you David Haehnel!
Thanks for the video. Very useful.
Would you research for us which companies you recomand? P.s. I am really sorry about your experience.
amazing!
You are such a legend bro
Another great video Damien. It’s a bit of a coincidence because I have been recently wondering about life insurance so your timing is on point.
Thankyou for breaking it all down, it’s really helpful because you can be sure your average person will start looking, see all the different options, get confused and give up. (Me).
You’ve made it clear what people should look at and who they should speak to. Thanks
My wife is an insurance broker…the stories I heard about young people getting cancer are quite sad. Getting insurance really helps your family. Its one less factor to worry about.
Also the stories of people not being able to get insurance because it is too late is worse. When a person is applying for insurance but finds out that they have cancer the next week (before they get insurance) it is just depressing
Get covered while you are young. Its cheaper when you are healthy and young.
That looks like a quality heavy t-shirt.
My dad died of cancer aged 57. No life insurance, so my sister and I had to remortgage his house and continue to pay it while we lived there, eventually selling. I have descending life cover on my mortgage now. It's not very much per month.
That calculator seems a bit dodgy. Only takes 4 variables: your age, gender, smoker status and retirement age and on that info alone gives your chances. No questions on the area you're living in, health status, parental health history, diet, exercise levels, education level, marital status etc etc. I call BS to be honest! Jokes on them though – no dependents, no need for life insurance 😉
Your father looks exactly like you it’s scary
Hi Damion, another great video 🎉 My husband is an expert on Trusts. I’m sure he would be happy to help you with this content https://youtube.com/@oncewillsandtrusts?si=9JFPIK54U1g-nlFr
Thanks Damien! Definitely a worthwhile video to do. If insurance is paid through a limited company does the payout go to the company or the individual and then how is this treated for tax purposes?
I have critical illness insurance through work but probably should also get some get income protection as well, I had it years ago and it was a life saver when I needed it after losing my job. The only thing that put me off getting it again was that I had to sign on the doll to receive the payments and having to face those soulless, patronising people at the job centre again was too much. I don't need life insurance aa I have no dependents.
I was diagnosed with Parkinson’s disease 3 years ago at 55 expecting to work until I was at least 75. I was very fit and healthy doing all the right things so never thought something like this could happen to me. I still manage quite well but am unlikely to continue working full time to retirement, let alone 75.
I wish more people took out income protection or critical illness. I wish I had. Before you ask I lived my and travelled a lot when younger so don’t have a lot of savings. And no, I wouldn’t change that because we never know what’s going to happen. But I’m not sure many people in their 50s would pay £65pcm for cover
I'm insured at work, if I die while I'm employed my fam gets a lump sum
I’ve always been told whole life insurance is a scam… I hope you’ve done research here
Damo please can you do a video on RACHEL thevs gambling with hower pensions! My work place pensions as one of the 17 companies who wants to gambling with RACHEL pensions growth! Should I now leave my work place pension and put it in to my private pension instead ?
@damien – you’ve never covered Peer to Peer loans/lending to my knowledge.. Would be great to hear your thoughts on it!
Start investing in stocks/bitcoin. Eat healthy and try to get exercise. Old you will thank you.
Thanks for this one, Very good information, not a talk you wanna have but even more important to do so
Great comprehensive and clear explanation of something I have wondered about but never been able to figure out. Thx Damo. You are at your best in this one.
Blindness, and partial sight loss is something that is too vague. Just remember, the Big Print GIVETH and the SMALL PRINT TAKETH AWAY. Salesmen will always point to the large print first, but never point to the small print.
Insurance doesn‘t save you. It‘s a scam.