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Over 60

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Which are best for you?

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Travel independently - or get a package?


The Internet has made it easier to travel independently and book your own flights, transfers and accommodation. This has it's dangers, though, and since holiday companies block book they can negotiate far lower prices than you can on your own, so independent travel isn't necessarily cheaper. Plus: what happens if things go wrong? With a package holiday from a reputable company there should always be someone to call to for assistance, and they are legally bound to look after you if the unexpected happens. Other package benefits are:

  • ATOL and ABTA protection - the recent collapses of Monarch Airlines and Thomas Cook show how quickly an airline can go bust. If flights are part of a package you are automatically protected - you won't lose your money, or be left stranded abroad. Plus ABTA protects you in the unlikely event of the holiday company failing, too.
  • Protection from rogue hotels abroad - a reputable tour company will have already vetted the hotel and if there are problems you will have someone to help solve them - who actually speaks English.
  • The Package Holiday Travel Regulations - these create a legal obligation on the travel company to give you exactly what is advertised - no more worries about cancelled flights, overbooked hotels etc.
  • All-inclusive offers - many packages will not only include meals but also drinks as well, and even excursions. These can add a great deal to an independent traveller's costs, and buying a package like this can greatly help in keeping ther budget under control.
  • Easy booking - no long-winded negotiations with multiple agencies. These otherwise could include travel to the airport, flights, hotel arrangements, car hire, transfers, dietary needs, etc, often with people with a poor grasp of English. All this is already done for you!
  • Safety - a reputable company will keep up to date with any hazards in your chosen destination, from health issues right up to terrorism, and will have contingency plans in place, in the unlikely event that they are needed.
  • Independent advice - your chosen company should have experienced staff who can advise you on the best types of holiday, destination, or hotel to suit your requirements.
  • Local knowledge - it isn't much fun landing in a strange town if you don't know your way around, and don't speak the local language. The company's tour manager will usually be there to help you, perhaps translate for you and recommend the best excursions, restaurants, and guides.
  • Entertainment - many operators provide evening entertainment for their clients in a safe and convenient venue. What elso can independents do when the sun goes down?
  • No hidden costs - tour operations are legally obliged to be completely upfront about the real cost of a holiday so you shouldn't have a constant problem with those little 'extras' that can add so much to the price.
  • A guaranteed smooth experience - what happens to you as an independent traveller if the car hire company is closed or the chosen car is a wreck? The hotel is overbooked or offers you a tiny room over the kitchen? The guide you arranged for weeks ago fails to turn up? The attraction you really wanted to visit is closed for repairs? Your holiday company will either make sure these problems don't affect you, or sort them out for you if they do.


couple with life insurance

Life insurance doesn't have to be unaffordable. This applies even as we get older, since policies are available which are designed to cater for the needs of those approaching, or over, pensionable age.

By shopping around and comparing premiums and benefits you could cut the costs even further. However, which of us have the time or inclination to do that? Luckily there is a better way.

Our partners have access to a panel of insurers, all of which are, of course, fully authorised and regulated by the Financial Conduct Authority, which ensures that the regulated companies meet the highest ethical standards and will work hard to find the best policies for you.

All you have to do is provide a few details, and these will be passed on to insurers on the panel. They will get back in touch with you and get quotations for you.

You just then compare the prices and the benefits, which will make sure that a lump sum will be paid out when the policy holder passes away.

To maintain your privacy all information is passed on using highly secure technology and only insurers who will be able to find you an excellent deal will be invited to quote.

Don't delay. Compare life insurance quotes now.


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