Insurance advisers have a wealth of knowledge about the industry and how insurance companies operate. We are able to tailor an insurance plan to suit your individual needs and to give you clear concise advice on managing your insurances.

We assist you right from the start of the process to ensure that your application is completed thoroughly and help you to avoid the risk of potentially having a claim declined.

Our job doesn’t end once the insurance is in place, we will work with you to keep your insurance plan relevant to your situation and we will be there to assist you if you need to claim on your policy.

Smoking tobacco products has, for a long time been known to cause significant health issues and increase the risk of many diseases such as cancers and heart attacks and insurance companies have been taking this into consideration and they charge a higher premium because of this.

Now that vaping is alternative to smoking many people feel that smoking rates should not apply however, there is still not enough known about the impacts of long term vaping on a person’s health so the insurance companies must take a cautious approach and they do still consider someone who vapes a ‘smoker’ when it comes to rating their insurance premiums.

The best thing to do is to give one of our advisers a call, they will be able to let you know if you are covered by your current policy and what the process is of how to make a claim.

Most providers require you to complete a claim form and to collect documents from your health provider to support your claim.

Yes there is. The most notable example of this is in the  area of Medical Insurance, where the various policies are rated from a high  A+  to a low  D.

As non-aligned Advisers, we deal with several companies, and we use Independent Advice to assess the strengths and weaknesses of the policies they offer.

Generally we advise Joint Ownership. In that way, when one person dies, the proceeds of the Life Policy are paid promptly direct to the surviving person.

If partners own their own Policies, there can be a delay in payment until Probate is established on the Will. If there is no will, the delay can be very lengthy, at a time when the money may be needed urgently, there are some circumstances where individual ownership is appropriate, and we advise our clients accordingly, depending on their circumstances.