Product Research Implementation
Once you’ve used this service we guarantee that you’ll be 100% confident that you have the right financial product(s) for your current circumstances. Whether its income protection or life assurance that you need we’ll be able to help you find the right policy.
Many clients simply want to know that the products and policies they have represent the best value of money and that they’re right for them at this stage of their life.
What we do
The first step is to determine exactly what you’re looking for. Then we’ll look at what you have in place already and whether it’s sufficient. If it is then no more research is required. If not (as is often the case) we’ll research the best options for you from across the whole marketplace. This research is totally independent (using qualitative and quantitative research software) and will provide you with the best solution.
We’ll then discuss the results of the research with you and leave the next decision to you. If you decide to go ahead and purchase a financial policy we’ll send the necessary paperwork to you (or meet with you). You’ll need to complete this and send it back to us within 14 days as the research is only valid for a limited period of time (if we receive the paperwork too late we may have to do all or part of the research again and this may incur an additional administration charge).
We’ll then process your application and chase any necessary paperwork on your behalf until the policy commences. If it’s a protection policy you may be required to attend a medical examination. This is paid for by the insurance company and they’ll let you know directly. Once the plan is accepted you’ll receive your policy document from us in the post.
To summarise, the Product Research & Implementation service covers:
Family Protection
To ensure your family has financial security if you die prematurely or suffer a critical illness. Typically this covers policies such as term life assurance, whole of life insurance and family income benefit plans.
Income Protection
Ensures you have enough income if you can’t work due to illness, injury or accident. Will dovetail with any sickness benefits you would receive from the NHS or your employer.
Mortgage Protection
Enables the survivor or your family to repay your mortgage loan if you die prematurely. You can also protect yourself against being diagnosed with a critical illness.
Critical illness Insurance
Pays out if you are diagnosed with one of a number of critical illnesses (heart attack, stroke etc) and survive for 0 -28 days.
With all financial policies, it’s crucial to check the small print to ensure the plan covers you more than the insurance company.
How We Charge
This service can be paid for by a fee (agreed in advance for all the work) or by commission paid to us by the product provider. We can discuss the options with you before any work is done.
To find out more about the Product Research & Implementation service please click here to go to the enquiry form. We'll get in contact with you within 24 hours.
