FAQS

No! You have the peace of mind that your price is guaranteed and will never change.

Usually our clients want to know that they don’t have to worry about prices changed especially in later life when they are on a pension income.

Will life insurance you can choose to fixed your price or have the optional to increase the amount by inflation. The increase is optional but will help maintain the buying power of the cover. 

This will depend on how much you need to make sure you and/or your family needs to make sure your financially comfortable if your income was to stop.

Most insurance companies will allow you to cover the majority of your gross salary, if Income Protection is something that you feel you may need we will be able to help explain everything and find you the right deal.

Your premium is guaranteed. This means it will not change, unless you have chosen inflation-linked cover.

These policies do not ask medical questions so even if you have been declined elsewhere it will not have any impact on these. It is usually as simple as asking your age and smoker status and how much you would like to spend.

Yes! A personal critical illness policy will pay out a tax-free lump sum.

The amount of cover you should take out will depend on your situation, for example the size of your debt and outgoing expenses, as well the size of your family.
When you talk to us we’ll undertake a thorough review of your situation and make recommendations to help you reach the right decision so you get the right cover for your needs.

Many of our customers choose policies where the premiums are fixed and that means your price will never change so you know exactly where you stand.

However, we can tailor your plan exactly as your needs require and some of our clients prefer increasing cover. These type of premiums don’t suit everyone because you are given the option to increase your cover and monthly premium every year.

You have the option of keeping your premiums guaranteed or the option to increase your amount by inflation to ensure it maintains the buying power for your family. 

We’ll explain our recommendations and discuss all the options to make sure that we get you the right policy and type of premium for your needs.

Existing medical conditions can have an impact on your price and which insurer we recommend. We deal with some of the UK’s largest insurance companies and will find the company who most suited to your needs.

It is important that you are honest and you give us all the right information about your medical history so we can find you the right cover for your circumstances.

No examination is normally required but this is always dependent on your individual needs.
If your medical history is complicated and you have health problems some insurers may want more information which can be obtained without the need of a medical.

But don’t worry, our experienced advisors will discuss your options with you in the strictest confidence and your doctor can not be contacted by any insurer without your permission.

It is always good to review your policy, especially if your circumstances have changed. Our advisers will help you look at your current situation and make sure your policy still does what you need it to do.

We may be able to find you a better deal and if you do decide to switch we can help you cancel your existing policy at the right time, so your cover doesn’t lapse and your loved ones remain protected.