Life Insurance
When a customer is contemplating the purchase of a Life Insurance Policy, which will provide financial protection for them and their families, should the worst ever happen, it is often difficult for them to make sense of the policies, providers and the range of permutations available to them. The customer can speak to all the companies, read all the brochures, research all the websites and compare all the quotes but they may still not be able to find the best value products or find the additional benefits available to them. In addition to this, they cannot access information from providers who do not sell directly to the public, like we can.
In total there are 195 Life Insurance companies in the UK, 240 if you include those with a head-quarters in other European Countries. It is safe to say, that the customer can be more than a little bamboozled by the amount of information and the variety of choice available to them in a very crowded market place. Let us make life easy for you!
Where is the best place to find a Policy that is right for you and your family?
In reality, there are only a handful of different avenues available to the customer, where they can source a Life Insurance Policy. The customer can purchase a policy through an Insurance Provider, Comparison Website, Financial Advisor, Mortgage Provider or Bank, or they may be hypnotised by Advertising Campaigns on Television, Radio and Newspapers.
The real answer to this question is that customers should buy their insurance direct from a Life Insurance Broker, like Quote Easy.
Our service is better than purchasing direct from an Insurance Provider because we research the whole of the market, not just one provider, including providers who do not sell directly to the public, this guarantees the customer the very best value, level of protection and benefits.
Our service is better than a Comparison Website because we provide access to a team of FCA Regulated Advisors, who can complete a needs assessment with the customer, which allows us to create Bespoke Policies, as opposed to off the shelf policies from Comparison Websites. In addition to this, the Advisors can remove confusion from the minds of customers through explanations of policies and they are able to answer questions and therefore remove insecurity.
Our service is better than a Financial Advisor because the information we provide is free of charge. In addition to this, the information we provide is entirely independent, which means that we put the customer at the centre of process. We do not promote or sell the most expensive products, the products with highest commissions, nor do we sell on behalf of any particular provider. Therefore our integrity is never compromised and the customer is always a primary concern.
Our service is better than purchasing through both Mortgage Providers and Banks. These institutions are maybe specialist providers of these services but they are not specialists in the field of Life Insurance. Therefore, they generally have affiliations with individual Life Insurance Providers and therefore they will only provide you with information about their products. They are not going to inform you of their competitors products that are more competitive and offer better value and benefits.
Our service is better than being hypnotised by Advertising and false promises. Our experiences tell us that the companies who shout the loudest and not always the ones with the best products, and the ones that spend a lot of their budgets on media campaigns and not always the companies that provide the best services. We can dispel the myths of advertising and tell customers exactly how it is.
Why should we buy Life Insurance? Why is it the most important insurance policy for you and your family?
Over 8 million people in the UK do not have life insurance, according to a survey reported in 2016. When this is coupled with the fact that a quarter of UK families have less than £95 in savings, there are many families who will struggle financially if a main income earner is no longer able to provide for them.
Life insurance provides you with the knowledge that, should the worst happen to you, those dependent on you for financial support can gain assistance with:
Paying your mortgage
Paying for funeral costs
Clearing credit card debt and loans
Taking care of household bills
The costs of raising children, including their education
Leaving a legacy
This adaptable insurance can also provide critical illness cover, with a cash sum provided for you and your family when you die or are diagnosed with a terminal illness at any time. This takes away the stress of having to think about your finances in the most difficult of times.
With critical illness cover for 85 illnesses – including cancer, heart attack and stroke (subject to the terms and conditions of your plan) – a cash lump sum can help pay for specialist treatment, childcare, or a once-in-a-lifetime family holiday.