The worst possible insurance policy.

It’s called Givealittle.

I have been appalled recently to see stories in the media of well-know people who have died unexpectedly, and the response of their grieving families has been to set up a web page asking for donations.

No one should ever be in this position. I mean no disrespect to the bereaved but it is sad to think that people who have lost someone dear to them should be driven to seek anonymous gifts from the public.

How has this come about? In my experience, it’s often because people don’t know what their insurance actually covers. Perhaps they have turned a blind eye to letters from their insurance company, and in particular arrears on policies that subsequently lapse. Or perhaps they’ve simply neglected to ask questions.

I frequently receive phone calls from clients who are in a specialist’s clinic, asking whether their policy covers the expensive procedure they need. I don’t mind dropping everything to check but surely it’s better to be fore warned? Life insurance, income protection and health policies can be confusing to understand in all their details, so it’s best to have a firm grasp on what you’re covered for, before you actually need to claim. That’s where we come in.

We keep all the policy information for our clients on file and are always happy to explain it. Even if your policies were set up by another adviser we’re happy to keep the details on record and will share it with your loved ones in the event of an emergency. Just make sure they know we are your broker so they can call on us for assistance in your moment of need.

If you haven’t done so already, get in touch. We’re here to help – no obligation.

Have you reviewed your insurance recently?  If not,  make an appointment