Online Insurance Offers? Think Twice…

Nobody wants to think about insurance until they actually need it.  By then, of course, it’s too late.  Illness, injury and death are unpleasant topics and most of us feel pretty indestructible while we’re healthy, so why the need to talk about it?

With the recent emergence of online or over the phone insurance brokers, many think this to be a quick, easy and cheap way to get cover, however, you should ask yourself WHY it is so quick, easy and cheap prior to taking it!  The policy that you think will pay you a nice little lump sum to pay off your home loan if something happens to you, may not.

Why get insurance through an adviser rather than an online application?

• We can complete a full analysis on your situation and provide recommendations on your insurance needs. They do not.
• We can provide an ongoing service to ensure that the cover you do hold, continues to be right for what you need and the right price for the cover held. They do not.
• We can generally provide the same policy at the same price (but price shouldn’t be the only deciding factor). They’re not necessarily cheaper.
• We can provide recommendations on a full range of insurance options including life, trauma, total & permanent disability and income protection. They generally only offer life or income protection as standard.
• We provide full advice on what you should hold, compare it to what you do hold, and make recommendations on what to do to be covered. They do not – YOU chose the cover for a quote to compare yourself.
• We can provide quotes and/or recommendations on a range of insurance providers. They can provide quotes from a number of insurers but NO advice.
• We make sure that your policy takes into account your medical issues so that you know that if you claim, you’ll get your payment. They do not.
• Should you even need to claim, we’re there for you to help with all the paperwork and requirements. They are not.

So when you’re at home and one of those insurance ads comes on, don’t reach for the phone, think twice. They make it sound so simple because what they’re offering is simple.

If you’ve been thinking about getting insurances or reviewing your cover, call us and we can do an assessment, give a recommendation, get cover in place and make it easy for you.
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