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How do I get a quote?

How do I get a quote?

We hear this question all the time; I want a quote for life insurance or “how much for some life insurance”.

Let’s evaluate all the points that go into even the most basic policy and show why it’s so hard to provide a quote without providing personal advice.

Life insurance:

How much cover?

Inside of super or outside?

Stepped or level?

Group scheme cover or individual application?

If you have health issues that one insurer may treat harshly – which insurer would you like us to quote with?

Total and permanent disability cover:

All the points for life insurance, plus:

Own occupation or any occupation definition?

Life cover buy back option.

Double TPD benefit.

Trauma cover:

All of the points for life insurance, plus:

Standard or plus cover

Trauma reinstatement benefit

Life cover buy back option.

Double trauma benefit.

Income protection

All of the points for life insurance, plus:

Standard or plus cover,

Agreed, indemnity or guaranteed option,

Waiting period 30 days to 2 years.

Benefit period 2 years, 5 years, 6 years, to age 55, 60, 65 or 70?

Accident benefit?

Specified injury benefit?

Benefit indexation?

Super contribution option?

 

Quoting is hard work:

If you can answer all the questions above, we CAN provide a quote. However nearly every one of those options and factors leads to a conversation about your personal situation and therefore, personal advice. It’s our opinion that many of the factors of a policy can be answered and solved fairly quickly but regulations require us to document our advice to you before implementation so forgive us is we find it difficult to simply “give you a quote”.

Take Action by speaking to one of our advisers today!

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Category:

Insurance

Tags

critical illness, income protection, insurance, life insurance, quote, tpd