Signposting is gaining more and more attention within the insurance world. We have been involved in signposting for years and have developed a network that includes hundreds of introducing advisers. We are also the go to specialist broker for multiple financial networks.
Why signpost?
It’s quite simple, it is often the right thing to do by your clients. By letting us help you, we can not only support your clients, but support you too. By using our services you will free up your time to focus on what you are good at.
We do protection insurance and a little bit of general insurance, that’s it. So what happens to our clients that need mortgage, pensions, investments, travel or private medical insurance advice? We signpost them to trusted colleagues.
When to signpost?
Whenever you and the client are ready. Sometimes it can help to ask yourself these questions:
If you are finding it hard to place protection for your client we offer a client referral scheme, where we will be happy to support you to find alternative solutions.
Hi everybody, I am back to chat about the times in a person’s life when things like life insurance, critical illness cover and income protection, really stand out. It might just be a natural next step in our lives in terms of independence and a growing family, or it might be that something unexpected has […]
Hi everybody, I am back with a chat about GP reports and the way they are used to support protection insurance applications. Insurers do try their best to avoid GP reports wherever possible, they are costly, delay the start of policies and the ability to offer terms after the report are actually quite low. They […]
In the most recent episode of the podcast I am focusing on how sports and hobbies can affect applications for protection insurance. One of the most interesting things that I find about sports and hobbies, is that people that do then, don’t tend to think that they should be any concern to the insurer. They do […]
Hi everybody, I am back from the summer holidays and feeling quite sad to have finished my first ever cruise. I was a bit paranoid as I have always been quick to feel motion sickness, but I was pleasantly surprised that I was ok, albeit with some pretty strong anti-sickness medication! In this episode I […]
In this episode I have discussed the things that different insurers offer, that stand out to me. So this is my opinion, based upon my experience of when a client has explained their circumstances and I have gone ‘ooooh, Insurer X will be perfect’. I’m not going into underwriting or every single thing that makes an insurer unique, it’s just an overview of key parts of their products and services that make them a good choice for your client.
This issue discusses arranging protection insurance for someone living with dementia. The very first thing that you need to do, in my opinion, is to consider the person as vulnerable, with partners and children being classed as potentially vulnerable. The next step is to check with your compliance and any other oversight, to determine what you are and are not allowed to advise on in this situation.
There are lots of ways to build protection recommendations, a lot of the time it’s straightforward, but sometimes getting creative is necessary. I would like to make sure I’m clear that being creative must still be compliance approved!
This episode focuses on on overdisclosure. There is a lot of discussion in our industry about underdisclosure or non-disclosure, but not a lot of focus is put on the times when people tell insurers too much.
This episode focuses on underdisclosure in protection insurance. Also known as misrepresentation or non-disclosure, this is a situation that everyone wants to avoid. Underdisclosure might not change the terms of insurance, but, it can lead to prices or sum assureds changing, and in the worst case a policy being cancelled from inception.
The options for life insurance, critical illness cover and income protection can vary quite a bit, depending upon the cause of the fatty liver and the stage that it is at. The good news is that the liver has a brilliant capacity to heal itself, so there can often be options for insurance.
The latest podcast is focused upon Lasting Powers of Attorney. I am not an expert in this area, but I am sharing what my personal experience was of having these in place for both of my parents, when tragedy struck.
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