Frequently Asked Questions

Does it cost me anything to use an adviser?

No. We don’t charge you in any fees to use our service.

How do you decide how much cover I need?

We complete a needs analysis based on your income, debts, family situation, lifestyle, and future goals to recommend an appropriate level of cover.

Do you work with multiple insurance companies?

Yes. We work with a range of insurers so we can compare options and recommend suitable products based on your needs.

Are you required to recommend certain insurers?

No. Advisers are not required to place business with any specific insurer and recommendations are based on suitability, not incentives.

What information do I need to provide?

You may be asked about your health, income, financial commitments, lifestyle, and personal circumstances so appropriate advice can be provided.

What happens if my health is not perfect?

Many people still qualify for insurance. Insurers may apply exclusions, loadings, or special terms depending on the situation, and we help you navigate this process.

How long does the insurance application process take?

Timeframes vary, but applications typically take a few weeks depending on medical requirements and insurer underwriting.

Can I change or cancel my insurance later?

Yes. Policies can usually be reviewed, adjusted, or cancelled if your circumstances change.

What happens if I need to make a claim?

You typically make claims directly through the insurance companies. However, if you ever find yourself unsure, or in a pickle we are here to help offer free advice and ensure you get the most out of your covers.