Downton Abbey star Joanne Froggatt has revealed she is pregnant with her first child.
The Downton Abbey star, 43, shared the happy news by debuting her baby bump on the red carpet at the Into Film Awards on Tuesday at the Odeon Luxe in London’s Leicester Square.
The star looked gorgeous in a red mini dress as she posed at the event, cradling her bump.
Joanne hasn’t confirmed the identity of the father but she was spotted walking hand in hand with a mystery man in August 2023,
with friends of the star saying at the time that they were ‘excited’ for her and felt he may be The One.
The actress was left heartbroken when her eight-year marriage to James Cannon ended shortly before the pandemic in 2020.
In August 2023 it was revealed that Joanne had been seeing the man she was pictured with, whose name is Mark, for several months and she was said to be ‘besotted’ with him.
Joanne introduced Mark to her friends last year, and she took him to a party with her group of pals at The Greyhound Italian restaurant in Marylebone, Central London.
One source close to her revealed: ‘Joanne is having a great time with Mark.’
It is the first time that she has been publicly linked to a love interest since she split from IT consultant Cannon in February 2020.
Joanne, who played maid Anna Bates for the full six series of Downton Abbey, announced the split just weeks before lockdown.
She said: ‘We’ve been separated for a little while. I’m looking to the future. I’m just going to embrace this year and see what happens.’
A year on, in 2021, she admitted the divorce from her long-term partner had thrown her life into a state of flux.
She said: ‘I didn’t think I’d be divorced, I didn’t think we’d be going through a pandemic, I didn’t think my life would be in flux in the way it was. But I’m OK with that.
‘I’m so grateful for my friends and family, for my health and to have been working so much during this past year. You realise, when it comes down to it, how many positives you have in your life.’
Joanne, who was engaged to DJ Phil Vane at 19, married Cannon in 2012 in a private church ceremony in Oxfordshire attended by her fellow Downton Abbey cast members.
In an interview in 2015 she described her marriage to Cannon as ‘perfect’.
She added: ‘He’s passionate about film and theatre, so we have a common interest – and he’s not in the business, so it’s perfect.’
While they were together she and Cannon owned a production company called Run After It, however the actress now manages the business on her own, and said that being in charge ‘feels like an exciting new chapter’.
The baby news comes after it was revealed Joanne is set to return to Downton Abbey as production gets underway for the period drama’s third film.
The actress starred as Anna Bates, the maid of Lady Crawley, in the series from 2010 until the finale in 2015 and the first two films.
The third instalment was first let slip early by actress Imelda Staunton, who unashamedly announced that there would definitely be a ‘third and final’ film.
It was later confirmed by the show runners, who announced that there would be a ‘third film in the beloved Downton Abbey franchise’.
However, while producers have ‘tried to reunite the cast’ some stars will be unable to return.
A TV insider told The Sun: ‘This will be welcome news for fans of the drama, because Anna was a particular favourite but none of the cast members were guaranteed to return.
‘Although the producers have tried to reunite most of the Downton stars, not all of them have been able to commit, even if they did appear in the first two films.’
In February, The Mail revealed the period drama would be making a surprise comeback for a seventh series.
Follow us to see more useful information, as well as to give us more motivation to update more useful information for you.
Source: Los Angeles Times
Understanding Deductibles in Insurance
What is a Deductible?
A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.
How Do Deductibles Work?
When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.
Types of Deductibles
- Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
- Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
- Per-Claim vs. Annual Deductible:
- Per-Claim Deductible: You pay the deductible every time you file a claim.
- Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.
Why Do Deductibles Exist?
- Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
- Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
- Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.
Choosing the Right Deductible
When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:
- Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
- Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
- Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.
Impact on Premiums
The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.
Conclusion
Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.
