When it comes to protecting yourself and your loved ones, having the right Protection Insurance cover is essential. In today's world, online platforms offer quick, cost-effective solutions for purchasing protection such as Life Insurance or Critical Illness. However, it's important to consider the potential drawbacks and why seeking advice from a qualified adviser is crucial. 

In this blog, we will share the reasons why using an adviser is beneficial, how to ensure they are authorised, and the importance of why you should review your cover regularly.

Tailored Recommendations:

While online platforms provide convenience and speed, they may not offer the level of customisation and personalisation that an adviser can provide. 

An experienced adviser takes the time to understand your unique circumstances, financial goals, and family's specific needs. They can offer tailored recommendations, ensuring you get the right cover that meets your requirements.

Comprehensive Advice:

One of the key advantages of using an adviser is their expertise and knowledge in the protection insurance industry. 

Not only do they stay up-to-date with the latest products, regulations, and market trends, but by seeking assistance from an adviser, you gain access to their comprehensive understanding of various insurance options, ensuring you make the right informed decisions.

Free Advice:

Contrary to common misconceptions, seeking advice from an insurance adviser is typically free. Advisers are compensated by insurance providers through commissions, meaning their services are provided at no additional cost to you. Take advantage of this valuable resource to gain insights and guidance without incurring any expenses.

Authorised and Regulated:

To ensure you receive reliable and trustworthy advice, it is essential to work with an adviser who is authorised by the Financial Conduct Authority (FCA). The FCA regulates the financial industry in the UK and ensures that advisers meet certain professional standards. Always verify an adviser's authorisation before seeking their services to guarantee you're working with a qualified professional.

Regular Reviews:



Insurance needs change over time. What may have been suitable for you a few years ago might not provide adequate cover today. Regularly reviewing your policies is crucial to ensure they meet your changing circumstances, such as getting married, having children, purchasing a new home, retiring or even getting divorced. An adviser can assist you in evaluating your cover on a regular basis.

When it comes to protecting yourself, your family and your future, it's essential to make informed decisions.

While online platforms offer convenience and potentially lower costs, relying solely on them may result in inadequate cover or a lack of personalised recommendations. 

Using an adviser offers you tailored advice, comprehensive industry knowledge, and the reassurance of working with an authorised professional.

Remember to review your cover regularly to ensure it continues to meet your requirements and needs.

Take the necessary steps today to have peace of mind for tomorrow.