FAQ's

Good quality, impartial advice really is priceless. Talking to an adviser will help you focus on what is important to you, guiding you through everything from products to claims.

Absolutely. Taking the time to review what you need to protect is important and we’re here to make that process as fuss-free and straight-forward as possible. Just get in touch and we’ll organise a time and location to meet that works for you.

We are remunerated by your chosen insurance provider. In short, it works like this: (1) we discuss what you want to protect and your priorities, (2) together, we review the insurance and policy options relevant to your needs, (3) you have a think and then select your preferred options, (4) then we go through the underwriting process with your chosen insurance provider/s, (5) and when your policy is secured and in place, the insurance provider will pay us commission on the Annual Premium amount. Like to know more? Just ask when we first talk.

Your adviser will step you through the application process, but generally you will need to provide your name, contact details, occupation, how you want to pay, and information about your health and lifestyle. For some types of cover, like Income Protection, we will also need some financial information and evidence. To make things even easier, in some situations you can use our express telephone service to go through the health questions, with someone from our specialist underwriting team instead of filling in the application form.

In many cases you can still get cover even if you have an existing condition. Your condition may be excluded from your policy or your premium may be increased so it can be included. Talk to your adviser and they can help you find out what cover you can have.

It’s at claim time that your insurance really gets to work and we are with you every step of the way. From helping you with the paperwork to negotiating with the insurance provider on your behalf, we’re you’re in your corner. At difficult times – which is usually the case when someone is making a claim on their insurance – it is hugely important to have an expert at your side. And that’s our job.

There is no one-size-fits-all answer to this question. It comes down to what your risks and priorities are. And that is one of the key reasons to work with an adviser – it’s our role to help you determine your priorities and key areas for peace-of-mind, and then find the right options for your budget.

Products you can buy directly tend to be one-size-fits-all, whereas adviser-based products are customised to you. We would encourage you to talk to a financial adviser who can help you make an informed decision. If you have not got an adviser, we can help you find an adviser in your area and organise for them to contact you.

To calculate your premium, the provider looks at your age, gender, smoking status and medical history. For some cover they might also consider your income, occupation and lifestyle choices. This gives them an overall picture of what the risks are for you and along with what type of cover you have; this allows them to calculate your premium.

If you have a question that is not answered here or if you know a question that would be a worthwhile addition to this FAQ, please do not hesitate to contact us. We appreciate your questions and feedback!