8 Tips for Protection Insurance

Insurance is boring, we all know that. The last thing any of us want to do is think about dying or being diagnosed with a serious illness like cancer. But lets face it, these things happen to people all the time when they least expect it.

Here are my top 8 tips to consider when arranging your protection insurances:

1. Stop wondering if you need insurance and find out now
2. Take the time to shop around and get the best terms for you
3. Always be prepared to discuss your medical history, occupation, travel and hobbies
4. Remember that as a nation the U.K are currently underinsured by £3billion!
5. Work out what’s right for you with an experienced insurance adviser
6. Ask as many questions as you want, you need to be comfortable that you are getting insurance that you need
7. Read the key features documents thoroughly so you know what you are and are not covered for
8. Sit down, have a cuppa and don’t make any rash decisions, it is better to get things right first time!

If you speak to a reputable adviser they will give you a straight answer as to whether you need protection insurance in place. In all likelihood you will do, whether it be to protect your income, your dependants, your mortgage or your health. As an adviser it is our job to give you all the options for insurance that are out there, tell you the essential ones, and then leave you to make your mind up as to what suits you.

If you are in any doubt about whether you need life insurance, critical illness cover, income protection or private medical insurance, call us for a no obligation chat on 0800 567 7450. We are also happy to look at any policies that you already have in place and help you make sure that they still meet your needs.