Q. By receiving a quote is there any obligation for me to switch my policies with you?
A. No. Chances are it will be wise for you to proceed with at least an application assuming there are significant savings involved. Hint, there will be!
Q. Do I need to cancel my old cover?
A. Please do not cancel any of your old policies until you get the 'Okay' from us! Once your cheaper superior Policy is safely in place, you will hear from us and we will write a letter for you to sign and send off to your old Insurer to then cancel your old cover. We ensure the correct timing between your old and new premiums, so that you don't get double dipped.
Q. How is this a 100% Free service?
A. Just like traditional Broker's and even online platforms we receive a commission from the Insurer. However through us it is typically 50% less than standard. We exercise the option to reduce our commission which passes these savings on to you.
Q. Can I have more than just Life Insurance?
A. Depending on your age yes! Many Life Insurance companies stop offering other Insurance types from ages 64-69 depending on the insurer and Insurance type.
Q. What about pre-existing conditions?
A. Great question! And we take this very seriously. Often with just Life Cover there is no such thing as 'Exclusions' unlike Medical Insurance, Trauma Insurance, Income Protection etc... Instead the Insurer may add 'Loadings' if your health is not deemed standard. Of course you then get the final say to accept Or decline their offer.
There is no harm whatsoever in at least making an application. The worse case is the Insurer will say 'No' and we can try another provider Or you can stick with your current cover.