Thinking of Using a Comparison Site for Life Insurance?

6th August 2018 / in Contractor Mortgages & Protection Blog / by Gordon Hunter, MD

Comparison websites may offer cheap life insurance quotes. But cheap doesn’t necessarily mean good quality or that it’s the most suitable policy for you.

Websites like this are meer-ly giving you a quote without advice, no reassurance and no one to read all the small-print for you. Epic.

Our blog looks at the reasons WHY you should consider speaking to an experienced adviser when arranging your life insurance policy, rather than trusting a website to give you your best options.

  1. It’s Good to Talk

It’s always nice to speak to someone. Whether it’s about the weather, where you’re going your holidays this year or how much life cover you need in case the worst was to happen to you.

An experienced Life Insurance adviser will take your details and can then help you understand what it is you’re after from your home insurance and provide advice on the most suitable cover for your needs and circumstances from a panel of leading insurers.

  1. Save Time

Once you’ve entered your details into a comparison site, you’ll probably get a GINORMOUS list of insurance companies to delve into. If you’ve got a few spare hours to waste looking through each individual policy – then this is your heaven. Please note, you might need a lie down and two paracetamols afterwards.

Whereas… a quick phone call to an experienced life insurance adviser, and they’ll take down all your details. They then do the search for you, to find the most competitive deal that matches your needs.

  1. The Onus Is On The Adviser, Not You.

Comparison sites might have some cheaper policies, but this doesn’t mean that the cover is the most suitable for you. The quality of plans can vary significantly, and they can also sometimes be stripped of additional benefits.

Going through a price comparison website means it’s up to YOU to ensure you have the appropriate cover. By speaking with an adviser, the responsibility is on the adviser to ensure that the cover is correct for your needs.

For more information and free advice on Life, Critical Illness and Income Protection, speak to our expert advisers – freephone 0800 211 8700 or fill in our online enquiry form.

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Lifetime Finance Group Limited trading as Super Contractors is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. The Financial Conduct Authority does not regulate some forms of Buy to Let.

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