Do you provide advice on the amount of cover I should have?
The nature of our service is to provide you with a holistic approach to properly protecting people’s financial futures; our specialist advisers also review your affairs and needs on an annual basis to ensure that everything remains appropriate for your business and personal situation.
Am I locked into the cover for a certain period?
No, however if you cancel your insurance policy within the first 12 month period an administration fee will be applied.
Can the Policy be Cancelled?
Yes but only by the person that is insured. The life insurance company cannot cancel the policy due to a change in your health.
Am I covered whilst traveling overseas?
Yes, all of our insurance products provide cover 24 hours a day, wherever you are in the world.
How do the different policies you have quoted compare?
We aim to provide clients with as much choice as possible and show the premiums of various companies for various levels of cover. With term life insurance it is purely cost base, as all companies will pay when you die. Trauma Insurance and Income Protection policies may vary slightly between companies, but these variations will only be very slight. We can provide specific comparisons if you wish.
Does the policy have a cash value?
The majority of quotes we provide are for term life cover; this is where the policy has no cash value. Whole of Life policies do have a cash value but the premiums are far higher than for term life insurance.
How do I pay my premiums?
Most companies offer the choice of 3 methods of payment;
- Cheque or money orders
- Direct debit authority from your bank account
- Credit card