The Problem with on-line quotes and financial purchases is that they often don’t work, or you could have done better!

 

Auto and Home

You fill in the long form and get a price, then you find out you’ve got to find a broker or the company from a list, the Website supply. Then you call and you have to confirm the questions again and you find that you don’t qualify for that price.

Or you find you that you’re dealing with a call centre and you’re not sure it’s the best price and again you have answer all the questions again. Better to talk to us, let us find your discounts and get solid quotes from many different insurers.

 

Buying Life Insurance

Call an Independent Broker first!

The products that you can buy on line are currently either Guaranteed Issue or Limited Underwriting. In most cases you will find you have paid too much!

Guaranteed Issue offer small amounts of coverage and sometime s just refund the payment if you die in the first 3 years. The cost is often 100% to 200% higher a standard issue policy.

Limited or Simple issue plans offer immediate coverage but are often higher in price. I offer both to those who benefit from easier qualification and have problems that are ignored by the insurer.

On this site there are some products that you can safely buy on line and get a fair deal. You can also check Standard and Prefered Life and Critical Illness rates to get an idea of completive costs from many companies.