We help you sort out your affairs in terms of personal insurance.
Whether you are:
- Just starting out in the workforce
- Looking at buying your first property
- Starting a family
- Provisioning for who would be left behind
- Running a business with key people or other shareholders
- Just want a second opinion on what you already have
We can help with no-nonsense advice and solutions
How we do it
We think we do it a little differently – our number one aim is not to be ‘salespeople’. Our goal is simply to help you understand your situation and for you put in place a solution you are comfortable with and that you understand.
We have a very thorough process, usually entailing 3 meetings to end up with a suitable solution in place for you.
At the first meeting, all we want to do is to pick up enough information from you so we can understand your situation and needs.
We then take this information away, analyse your position, calculate how much cover would be ideal, quote the solution across the marketplace and generate a comprehensive report to you on our findings and recommendations.
At the second meeting, we go through the report with you explaining about the covers and answer any initial questions you may have. We then leave the report with you for you to digest in your own time.
When you are ready to proceed with the recommendations, or perhaps just some of them, we get together again to complete the required applications.
After the solution is in place, we will get together again on a frequency which you are comfortable with, to make sure that everything you have through us still fits your situation.
Where we place business
As brokers, we have agencies with just about all insurance companies for personal risk insurance and most of the major fund managers for investments.
When selecting an insurer or policy to recommend to you, our criteria are:
- The policy wordings must be good
- The insurer must display a consistent attitude of wanting to pay valid claims
- The price (premium) you pay must be within 10% of the rest of the market
- The insurer must be easy to deal with both for you and for us
External product research can help us in this process, but even if a product has a good research rating, it’s no good if the insurer does not want to pay claims.
We tend to place business with insurers with whom we have a good claims relationship, as at the end of the day, getting a claim paid is the most important thing.