In times like these we are all looking to save some money wherever we can but it’s doesn’t pay to cut back on valuable life insurance cover.
A cheap life insurance policy can end up costing you more. Getting independent advice before you buy life insurance, can not only save you from making this mistake but also other common pitfalls of taking out the bog standard life insurance policies.
Confused?
Cheap life insurance is often cheap for a reason. It may be the case that you only have a fixed premium for a very small length of time until it has to be renewed, or the amount you are insured for is so small the actual cost per £1000 of cover is comparatively high. When you renew your cover the insurer will take an update on your medical history. If you have suffered anything prior to the renewal, the insurer have the right to cancel the cover and not offer it to you again. If you are lucky enough to remain healthy, the insurer still have the right (and many exercise it) to increase your premium to pay for the increased risk of insuring you as you are older.
At Endsleigh we advise you on the policy that is best for your long term circumstances, and only ever advise you on what you need. We deliver you a whole of market report and explain why a particular plan is best for you. It is very rare that a “cheap” life insurance policy fulfills this criteria, as in the long run you pay more and can have the cover cancelled when you need it most!
What we can do for you:
- Save you time by doing the leg work for you. From finding you the best policy to filling out your paperwork for you.
- Our independence means we don’t sell certain products; we are free to choose from the market place ensuring we find the best deal available.
- We can research which specialist policy is best for you if you have or had any medical problems which may affect your policy.
- Our service is free; we get paid commission by the provider so it won’t cost you a penny.
- As soon as you get in touch you will be assigned your own Independent Financial Adviser who will deal with your case from beginning to end.
To get a quote visit us at www.endsleigh.co.uk/lifeinsurance call 0800 389 2193 to speak to your adviser today.
Endsleigh Financial Independent Tailoring is a trading name of Endsleigh Independent Financial Services Limited which is authorised and regulated by the Financial Services Authority. This can be checked on the FSA Register by visiting its website at www.fsa.gov.uk.
Endsleigh Independent Financial Services Limited. Company No: 4132605 registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.