You may just have a simple question or perhaps you don’t know what cover you need and require advice. We will help by providing expert advice; tailored to your individual circumstances to ensure you get the answers you need and receive the most appropriate cover at the most competitive cost. Whatever your question, please ask. We can help.

Important variables to consider are:

Each insurance provider has their own criteria and pricing structure when it comes to your health. When you see an initial quote online, this price won’t account for any medical conditions and therefore you will not know which insurer is likely to offer the most competitive cover at the lowest cost.

Examples of when an insurer may wish to increase your premium are:

At such a difficult time when needing to claim on a policy the last thing you want to find out is that the proceeds could be taxed at 40% for Inheritance and that you also need to go through months of Probate before getting your hands on the money! By writing your policy in Trust the proceeds are paid quickly from the insurer direct to the person(s) that you nominate, also ensuring the beneficiaries aren’t left with a hefty tax bill. The process of writing any policy in Trust can appear complex, which is why it is vital that you seek advice.

Examples of when you may wish to write your policy in trust are:

Depending on your job or leisure activities, it may be that you are a higher risk to insurers. As a result each insurer may charge you more. We have expert knowledge of each insurance provider’s criteria and pricing structure and is therefore able to recommend the most appropriate insurer.

Examples of when an insurer may wish to increase your premium are:

Each insurer offers a different level of cover to the next. All will cover you against 23 illnesses, including heart attack, stroke and certain cancers. However, each insurer will provide cover for additional conditions (anything from 3 conditions, others cover you for over 160). We will provide a fair and accurate representation of each insurer’s critical illness policies – based on two factors; cost and level of cover.  This will provide you with important (often unknown) information that enables you to make an informed decision as to the cover that provides you with the most protection, in-line with your budget.

Key factors to consider are: