Why use a life insurance specialist?

Choice of insurance company

At RiskProtect we source policies from a number of companies, we have clients with 11 companies and have access to over 200 policies. Our recommendations are based on a number of aspects – Policy definitions, price, claims paying ability and administration. Sometimes due to personal reasons clients may prefer to be with a company that is different to our recommendation, due to our ability to use a wide range of insurers we are happy to organise it with their preferred insurer and manage their insurance for them.

Many advisers state that they can use a number of insurers, once you look deeper, the same companies appear in their recommendations time and time again.

Peace of mind

Simply if you have a policy that was organised from someone that wasn’t a specialist, you may find out when it is too late that you had an inappropriate policy or structure.

Who will be managing the claim if necessary?  Do you know who to speak to ?

Claims handling experience

We have worked on many claims and have excellent feedback on how we manage claims for our clients. This is where we believe we provide the greatest benefit to our clients.

We do not charge a fee or percentage at the time of claim, we sit down with your family and guide them through the process. We have clients that understand insurance, including some financial planners, the reason they come to us is that they know it often would not be them that needs to fill out the paperwork and go through the claims process but their loved ones.

Price

Paying the price you are comfortable with for insurance is important, while we can generally save anyone money on their insurance, we would not recommend changing if the new policy would make it harder to claim on when you need it most.

If you have an existing policy, give RiskProtect a chance to see if we can save you money.