# Question Time: Get life insurance young, as its cheaper? Keep my bank account but get switchers’ bonus? When to STOP investing?

Page: https://stenobird.com/podcast/the-martin-lewis-podcast-644025/question-time-get-life-insurance-young-as-its-cheaper-keep-my-bank-account-but-get-switchers-bonus-when-to-stop-investing
Text version: https://stenobird.com/podcast/the-martin-lewis-podcast-644025/question-time-get-life-insurance-young-as-its-cheaper-keep-my-bank-account-but-get-switchers-bonus-when-to-stop-investing.md
Podcast: [The Martin Lewis Podcast](https://stenobird.com/podcast/the-martin-lewis-podcast-644025)
Published: 2026-06-08T10:59:00+00:00
Episode link: http://www.bbc.co.uk/programmes/p0nqhfjg
Audio file: http://open.live.bbc.co.uk/mediaselector/6/redir/version/2.0/mediaset/audio-nondrm-download-rss/proto/http/vpid/p0nqhdw2.mp3
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Duration seconds: 2762

## Resource

This week Martin tackles a packed agenda of your questions—ranging from savings decisions in your twenties to navigating the tax system, investing timelines, and even a light-hearted consumer rights query. Martin answers a question from a 25-year-old wondering whether to lock in life insurance early while premiums are low. We look at how to bag lucrative current account switching bonuses without losing your main bank account. Martin explains how you can collect multiple bonuses while keeping your primary account untouched. An NHS employee asks whether moving into the higher tax band means they’ll need to file a self-assessment tax return. A listener calls in with concerns around their investing strategy: wanting to know if they should stop investing five years before needing your money? Things take a lighter turn when a listener asks about their “consumer rights” over obtaining a Question Time audience badge. And, strongman Eddie Hall asks Martin: “What’s the biggest thing you’ve ever lifted?” If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk .

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## Transcript

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