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    • HOME
    • ABOUT ME
      • WHY ME?
      • MY VALUE
    • MORTGAGES
      • MORTGAGE PROCESS
      • BUY TO LET
      • FIRST TIME HOME BUYERS
      • REMORTGAGES
    • PERSONAL
    • BUSINESS
    • PROCEDURE
    • EXISTING PLANS
    • LAST WILL
    • REVIEWS
    • CONTACT US
    • BLOG
Insurance Value
  • HOME
  • ABOUT ME
    • WHY ME?
    • MY VALUE
  • MORTGAGES
    • MORTGAGE PROCESS
    • BUY TO LET
    • FIRST TIME HOME BUYERS
    • REMORTGAGES
  • PERSONAL
  • BUSINESS
  • PROCEDURE
  • EXISTING PLANS
  • LAST WILL
  • REVIEWS
  • CONTACT US
  • BLOG

EXISTING PLANS

EXISTING PLANS RISK

  

 EVERYTHING CHANGES OVER TIME.


IF YOU ALREADY HAVE INSURANCE PROTECTION IN PLACE YOU MIGHT FEEL FINANCIAL SECURE.


HOWEVER IT IS VITAL TO REVIEW YOUR INSURANCE PLANS EVERY FEW YEARS.


ESPECIALLY IF YOU BOUGHT YOUR INSURANCE PLANS  ONLINE WITHOUT ANY ADVISE.


 OUR CIRCUMSTANCES CHANGES AND OUR INSURANCE PLANS SHOULD BE  SUFFICIENT TO COVER YOUR 


TODAY NEEDS.


REASONS TO REVIEW YOUR EXISTING PLANS

EXISTING PLANS


  • It might be that your insurance benefit you or your family would receive, is too low for the kind of expenses and financial obligations you have now.


  • It might be now that you are not smoking like when you took the policy. This means that you could pay less for an ex-smoker status.


  • It might be that now you are slimmer and there is not any loading for high body mass index, or the loading is less, so you could now pay less.


  • It might be you had an exclusion about an injury you had then but with a new policy, this exclusion could be waived if more than 2 years have passed.


  • It might be that you have a partial protection only on death, while you would be on risk paying your family’s monthly commitments if you would have a serious injury or being diagnosed with a serious condition.


  • It might be that you are covered only for 44-60 critical conditions when you could be covered for 182 serious and critical conditions and 7 severity levels where you could be paid instead of 2 severity levels.


  • It might be that your life or mortgage policy isn’t placed in the TRUST. That would mean that the beneficiaries would be paid after the probate process was completed. Usually after 6 months and that the insurance money would be part of your estate and might be taxed, while with a TRUST your beneficiaries would have immediate access to your insurance money and there would not be any Tax payments.



To learn WHY is TRUST important to set up with a life insurance, go to FIND OUT MORE Button.

Find out more

DO WE LOSE ANY BENEFITS BY REPLACING OUR EXISTING COVERS ?

THE MARKET HAS CHANGED AND INSURANCE COMPANIES NOW COVER MUCH MORE SERIOUS AND CRITICAL ILLNESSES THAN EVER BEFORE.


WE TAKE FULL RESPONSIBILITY WHEN WE REPLACE AN INSURANCE PLAN TO AT LEAST HAVE THE SAME COVERAGE OF BENEFITS YOU HAVE NOW, IF YOU DONT WANT TO IMPROVE IT.


WE WOULD NEVER REPLACE AN EXISTING INSURANCE IF WASN'T IN OUR CLIENTS BEST INTEREST TO DO

Conclusion

 So its for your own interest to get an informed detailed professional advice on your current insurances and there is no charge for this review from a professional insurance advisor.


With any replacement you will have the  last will - guardianship without any additional charges.

Having your own advisor, means that for anything you need, you have a professional advice and customer support from changing your home address to starting a claim.


Book your Financial Review meeting to determine the current standing of your insurance


WE WOULD ONLY REPLACE AN EXISTING  INSURANCE PLAN IF ITS ON OUR CLIENTS BEST INTEREST.


YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.


Best  Brokers Ltd is a company registered in England and Wales. Registered number: 586018. Registered office: 3 Chester Bridge, Crewe, England, CW2 7EF

Best  Brokers Ltd Is an Appointed Representative of Financial Expert Partnership Ltd which Is Authorised And Regulated By The Financial Conduct Authority.

 Registered number : 591556.

Best  Brokers Ltd act as a credit broker, not a lender.


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