So how do you find out what you need? You could do the research yourself. Understanding the difference between life, critical and income protection insurance will help you better understand you insurance needs, or you could consult with an insurance specialist. Whichever you decide to do, make sure that you know what it is you’re buying.
We know this could be quite a daunting task, so we’ve put together a few things you should consider before making any decisions:
Do your research. Understanding the difference between Life, critical and income protection insurance, will help you recognise what insurance you need.
How much insurance do you need? This is often a difficult one to answer as it depends entirely on your individual circumstances. But the kinds of things that will help you decide are, whether you have family or dependants that rely on you financially and the effect it would have on them should your income stop.
Know what your insurance policy actually covers you for. If you’re looking for life and or critical illness insurance be aware that the types of cover varies from insurers and policies. If you’re going through an insurance specialist, ask lots of questions about your cover and take time to read the small print before you sign up to anything.
Some insurance policies will not cover you for certain pastimes or illnesses. If you have a pre-existing medical condition or a dangerous pastime such as horse riding, they may be excluded from your cover. So make sure you know if there are any exclusions on your insurance policies before you sign up.
Don’t buy a policy based on price alone. You shouldn’t have to pay for unnecessary extras, you should be buying a policy that you need for the price you can afford.
Why Use Us?
We are an independent Financial Broker
Fee free expert quality advice on a range of insurance products
A free review of any existing policies you have, to ensure they are relevant for your needs
Access to different insurance products with better benefits not available online
Fee free face to face appointment service with flexibility to work around your availability
Support with making an insurance claim so you have less stress and worry
An annual review of your insurance policies. We take into consideration any changes that have occurred, and whether there are improved policies on the market that better suit your needs
Relentless sales calls
Hidden added costs
An insurance policy you don’t need
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