Smarter Life Insurance
New Town, Edinburgh
-1/4 policy's become invalid and do not pay out due to non discloser of medical issues or exclusion's. It could even be just a careless mistake on the policy.
-82% of life insurance customers in the uk are not getting the best policy for their monthly premium. The main reason for this is customers not getting independent advice and not checking their policy's regularly enough.
-Critical illness has change massively and never covered you for mild heart attacks, low grade bowel cancer or early stages of breast cancer. Every insurer has different critical illness cover and different exclusions so it's important to check the small print.
-90% of couples in the uk who have life cover are on joint policy's, this is not adequate for couples who have children because it only pays out once so it's mortgage protection only. (Our advisers can show you how you can get double the cover to protect both your home and your family for same monthly premium)
-Your life insurance policy needs to change as your life change's so if your a couple getting married, buying a new home or expecting a child you will need your policy updated. Maybe even simply changing jobs will mean you have to get your policy reviewed.
-Banks are contracted to one insurer so for that reason they will not search the market. Banks can mark up the premiums by 25%-40%.
-94% of life Insurace policies in the UK are not written in to trust, meaning when we die you think your life insurance would be payed to your loved ones.. this is not the case, not written in trust means it is liable to probate. Probate can take 2 years and a court case to fight for your inheritance.
Have you got the best policy?
We also provide a Free legally binding Will to secure estate, has your Will been updated if you already have one, has your life insurance changed and not been added to your existing Will? If so you must update your Will
Any questions call Kris
We provide help in the local community helping raise better facilities for the youth clubs last year we raised funds to create a new 3G football training ground
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