Terms of Business – Protection

We do not charge fees on protection business as the life company pays us a commission which is declared in the key features illustration.

Our application process has the following stages: –

1. We speak to you and identify that we can help.
2. We arrange a meeting where we complete a full confidential fact-find to ensure we have all the information to enable us to make a recommendation.
3. We obtain all the necessary medical information from you that is required by the insurance company, following the requirements of our compliance department.
4. We research the market to establish which products would be most appropriate to your circumstances and shortlist the insurance companies that meet your criteria.
5. Our research covers a group of insurance companies as we work with a restricted panel of companies.

6. We present our recommendations and provide you with detailed advice.
7. We produce a Key Facts Illustration, which details the costs involved and monthly payments. This is a Financial Conduct Authority prescribed document, which ensures information is presented uniformly.
8. We approach the selected insurance company and complete a full application. After which they start the underwriting process and this can include GP reports, Nurse visits to your home or even full medicals at their expense.

Our sales support team provides an invaluable service ensuring that the process is as smooth as possible and that all parties are working together towards getting your policy underwritten in a timely manner.