Life Insurance, Health Insurance,Trauma Cover, Income Protection,
Price is important. However the interesting thing is the pricing for personal insurance is pretty similar across all the main providers.
This is a most important area. We handle all the detail for you. (You dont want to be in a hospital bed messing around with an insurance claim)
Bob recently completed a claim for a family. The husband didn't really have a lot to do with putting the insurance in place. He left most of it up to his wife. Which is fine. A couple of years after putting the plan in place his wife was diagnosed with a very serious illness. All she said to her husband was "Ring Bob". I was pleased to be able to tell him that his wife was covered.
Subsequently we were able to pay a substantial lump sum. This money got them through the next 12 months while his wife was recuperating. We are pleased to say she is now back at work and enjoying life once again.
There can be quite a variation in policy wording (for the same product) across insurers. We use an Independent Research House to provide us with a report on the type of products you are considering and the quality of the product across all the main insurers.
This takes into account your age, occupation and the type of product being considered.
Whats the most important area?