Taking advice from a professional advisers is the key to having appropriate cover and yet so many people still decide to go it alone. This can lead to the wrong cover being taken out and in some cases, paying for cover that you are not eligible for.
There are many misconceptions around using a protection adviser, so in this blog we will address some of the most common.
Misconceptions around using professional advisers: Advisers are just salespeople
Protection advisers are trained professionals who provide valuable advice and support. Their goal is to ensure you have the right cover to protect you and your family. They consider your unique circumstances and long-term needs and are your first point of contact when you have a change in circumstances and need a review.
Misconceptions around using professional advisers: I will be charged a fee if I use an adviser
We never charge a fee for protection advice. There is no obligation to take up our recommendations and if we review your current plans and no changes are needed, you still won’t pay us a fee. It’s risk free and only of benefit to you as the consumer.
I don’t need an adviser if I already have insurance
If you already have insurance, we can review your existing policies to ensure they still meet your needs. Changes such as a new job or having children may require adjustments to your cover.
Advisers only recommend policies from limited providers
We advise from a panel of leading UK insurers that is representative of the whole market. We provide unbiased advice from our panel providers and can access some exclusive benefits and add-ons that are not available if you apply direct.
It will cost me more if I take out cover that an adviser recommends
Whilst this can be true with some firms, with us it is not. Our premiums are not ‘loaded’ which means that the premium has not been increased to pay us commission.
Take the next step
Taking advice from us can provide many benefits from personalised advice to access to exclusive deals.
So don’t let misconceptions prevent you from getting the best possible cover for your needs. Make an appointment with an adviser today by calling 01455 63 61 63 or clicking here
https://onerooffinancial.co.uk/contact/
Blog written 10/03/2025
The information contained within this blog was correct at the time of publication (10/03/2025), and is subject to change.
