Especially as they are NOT funeral plans but by use of careful words they pretend they are and people believe that. They are a whole of life insurance which just means they are without profit, provide no protection against inflation and might cost more in premia than the dead person's family get back.
They have to be "self-select" by the consumer (hence the heavy marketing) because any IFA that recommended one would have failed in their duty to provide "best advice". They are a toxic, highly profitable product targeted at the vulnerable and misled. I have tried to think of a single situation where they might be worth someone signing up but have failed dismally. There is no reason to buy one when other more useful products are available. Maybe even an actual plan that guarantees to pay for a funeral because these do not.
In my opinion, it would often be better if the FCA focussed more on regulating products as well as product providers. The wretched over-50 plans could then just be banned outright.
"aye but tha ll get a free parker pen just for enquirin"
Am sure I've said it before but that Virgin Media advert where the kids act like the adults would be lost without them as apparently none of us know how to connect one of their box to the TV etc.
Piss off you little shits, it was our generation that developed that technology - Also your forgetting, you might be some little seven year old shit who knows how to connect it, but you need our bank cards to have it!!!
Especially as they are NOT funeral plans but by use of careful words they pretend they are and people believe that. They are a whole of life insurance which just means they are without profit, provide no protection against inflation and might cost more in premia than the dead person's family get back.
They have to be "self-select" by the consumer (hence the heavy marketing) because any IFA that recommended one would have failed in their duty to provide "best advice". They are a toxic, highly profitable product targeted at the vulnerable and misled. I have tried to think of a single situation where they might be worth someone signing up but have failed dismally. There is no reason to buy one when other more useful products are available. Maybe even an actual plan that guarantees to pay for a funeral because these do not.
In my opinion, it would often be better if the FCA focussed more on regulating products as well as product providers. The wretched over-50 plans could then just be banned outright.
So worth considering then...
Yeah, it'll give you peace of mind. And a Marks & Sparks gift card.
As an amusing aside some years ago, one company who shall remain Sun, sorry nameless, were running a free VCR with every policy promotion but forgot to put any limits in the T&Cs. One family made vast quantities of multiple applications and paid the first instalment but no more and were entitled to the VCRs which they then made a very tidy profit on at boot sales. Karma.
ANY advert that involves a fictitious football crowd, cheesy shit with dodgy shirts, bobble hats and flag waving gurning extras
The head and shoulders advert with the bunch of fans singing behind Joe Hart, pretending to clear their shoulders of imaginary dandruff is my biggest hatred of this kind of thing.
Made worse by Hart at the end sitting on the floor, grinning at the camera
ANY advert that involves a fictitious football crowd, cheesy shit with dodgy shirts, bobble hats and flag waving gurning extras
The head and shoulders advert with the bunch of fans singing behind Joe Hart, pretending to clear their shoulders of imaginary dandruff is my biggest hatred of this kind of thing.
Made worse by Hart at the end sitting on the floor, grinning at the camera
Makes a change from Hart's usual position of sitting on the floor with his head in his hands, wondering how yet another shot managed to hit the back of his net.
ANY advert that involves a fictitious football crowd, cheesy shit with dodgy shirts, bobble hats and flag waving gurning extras
The head and shoulders advert with the bunch of fans singing behind Joe Hart, pretending to clear their shoulders of imaginary dandruff is my biggest hatred of this kind of thing.
Made worse by Hart at the end sitting on the floor, grinning at the camera
My personal current teeth grind inducing advert is the AXA one with the ballet dancer with the artificial leg, mostly because of the awful dirgey music, and which was in literally every break when I was watching Poirot yesterday, every bloody single bloody break.
Oh and an old favorite the knight on horseback who "now holds the card of vanquish" and whose quest took him literally "15 minutes". His performance must be the most wooden ever.
Ricky Tomlinson on the McCain Chips advert is really, really pissing me off. He's on the radio, he's on the telly, constantly repeating his over-sentimental nonsense which implies that oven chips are the glue that holds families together and the seed from which the tree of love grows.
"Love doesn't care if one of you burns the burger baps" - what f*#king nonsense is this?
Maybe it's perfectly normal in Liverpool to come home from a day of stealing hubcaps and mugging old ladies and cuddle up on the sofa for the evening watching one of your knocked off tellys whilst tucking into a bowl of oven chips, but this is completely alien to the rest of the country (apart putting aside Scotland and a few pockets of Yorkshire).
This advert simply should not be broadcast in the South East - it gives me indigestion while I'm trying to enjoy my baba ganoush.
Another brand new low, the Vauxhall one with the idiot women listening to music at full volume sitting inside a car in a dealer showroom...AAARRRRGGGGHHH
Chris Kamara does my head in now, along with any of the rest of the Soccer Saturday lot who seem to appear on nearly every single betting advert going.
Comments
Piss off you little shits, it was our generation that developed that technology - Also your forgetting, you might be some little seven year old shit who knows how to connect it, but you need our bank cards to have it!!!
As an amusing aside some years ago, one company who shall remain
Sun, sorry nameless, were running a free VCR with every policy promotion but forgot to put any limits in the T&Cs. One family made vast quantities of multiple applications and paid the first instalment but no more and were entitled to the VCRs which they then made a very tidy profit on at boot sales. Karma.She can't sing but you know how she's going to groan.
Made worse by Hart at the end sitting on the floor, grinning at the camera
Especially in the old advert when he asks to give his reaction by dancing!!
Dilly dilly
Just painful to watch
Oh and an old favorite the knight on horseback who "now holds the card of vanquish" and whose quest took him literally "15 minutes". His performance must be the most wooden ever.
"Love doesn't care if one of you burns the burger baps" - what f*#king nonsense is this?
Maybe it's perfectly normal in Liverpool to come home from a day of stealing hubcaps and mugging old ladies and cuddle up on the sofa for the evening watching one of your knocked off tellys whilst tucking into a bowl of oven chips, but this is completely alien to the rest of the country (apart putting aside Scotland and a few pockets of Yorkshire).
This advert simply should not be broadcast in the South East - it gives me indigestion while I'm trying to enjoy my baba ganoush.