Why you should talk to a Financial Adviser

There’s nothing stopping you from going direct to an insurer. But how do you know if it is the RIGHT insurer for you? An adviser who has agency agreements with multiple insurance companies, understands each insurance offering in detail – the fine print – and can help you choose the insurer that is best suited to your need. It’s their business to know what else is out there, and who has what on offer.

It’s easy to buy off-the-shelf insurance. But how do you ensure that you have ADEQUATE cover? An adviser takes into consideration your health profile, your household expenses, future earnings, mortgage and rent costs, the money you need to set aside for your kids, your next car purchase and even your next international holiday. An adviser works through all these eventualities to ensure you are covered right. If you don’t do this, you run the very real risk of either being over insured or worse, under insured.

This is where the rubber meets the road. It’s a huge advantage, having someone in your court explain your personal circumstance to an underwriter during the Application Process trying to get you Cover. Or when you’re stressed to the max at claim time, having someone you trust to deal with instead of being passed around a series of faceless people every time you phone.