A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_URI::$config is deprecated

Filename: core/URI.php

Line Number: 101

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Router::$uri is deprecated

Filename: core/Router.php

Line Number: 127

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$benchmark is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$hooks is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$config is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$log is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$utf8 is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$uri is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$exceptions is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$router is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$output is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$security is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$input is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$lang is deprecated

Filename: core/Controller.php

Line Number: 82

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$db is deprecated

Filename: core/Loader.php

Line Number: 396

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_DB_mysqli_driver::$failover is deprecated

Filename: database/DB_driver.php

Line Number: 371

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$form_validation is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 132

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 294

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 168

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 237

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 317

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice

Filename: drivers/Session_files_driver.php

Line Number: 358

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property Home::$session is deprecated

Filename: core/Loader.php

Line Number: 1283

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$load is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$benchmark is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$hooks is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$config is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$log is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$utf8 is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$uri is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$exceptions is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$router is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$output is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$security is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$input is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$lang is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$db is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$form_validation is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

A PHP Error was encountered

Severity: 8192

Message: Creation of dynamic property CI_Loader::$session is deprecated

Filename: core/Loader.php

Line Number: 931

Backtrace:

File: /home1/octasolutions/public_html/demo/insurance_website/application/controllers/Home.php
Line: 312
Function: view

File: /home1/octasolutions/public_html/demo/insurance_website/index.php
Line: 315
Function: require_once

Money Expert - The Experts With Your Finance

Save money on airport transfers

Get the best income protection policies with Money Expert

Finding the best life insurance policy: how long should my term be?

This also depends on your reasons for taking out your cover. If your priority is to find a policy that will help your dependants cope with any debts you leave after you pass away, then you should time your policy accordingly. If the debts will be paid off within 10 years, you probably don’t need your policy to last much longer than that.

Finding the best life insurance policy: how long should my term be?

This also depends on your reasons for taking out your cover. If your priority is to find a policy that will help your dependants cope with any debts you leave after you pass away, then you should time your policy accordingly. If the debts will be paid off within 10 years, you probably don’t need your policy to last much longer than that.

It might be the case that even when your debts are all paid off, your children might not be old enough to be fully financially independent. In this case, you might want to extend the term of your life cover until they are. If you have very young children, then you may want to get a considerably longer term than somebody who has children who are already in their 20s.


Who needs income protection?

The Association of British Insurers found that every year, around a million workers become unable to continue working due to severe injury or illness. It can happen to anyone.

However, not everyone will need income protection insurance. You could get away with no income protection if, for example, you feel like you could get by on government benefits alone, if your company sick pay package is sufficient, or if you or your partner have sufficient savings.



What is Income Protection Insurance?

If you're in full-time employment, then you're entitled to a certain amount of statutory sick pay each year. However, if you become ill or injured for longer than your sick pay period permits, or if you're self-employed, then you could face a loss of income. Loss of income for any period is far from ideal for anyone, but especially if you've got bills to pay and/or any dependents.



Who needs income protection?

The Association of British Insurers found that every year, around a million workers become unable to continue working due to severe injury or illness. It can happen to anyone.

However, not everyone will need income protection insurance. You could get away with no income protection if, for example, you feel like you could get by on government benefits alone, if your company sick pay package is sufficient, or if you or your partner have sufficient savings.



What is Income Protection Insurance?

If you're in full-time employment, then you're entitled to a certain amount of statutory sick pay each year. However, if you become ill or injured for longer than your sick pay period permits, or if you're self-employed, then you could face a loss of income. Loss of income for any period is far from ideal for anyone, but especially if you've got bills to pay and/or any dependents.