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Suitability: All too often we see clients who have unsuitable products that they don’t understand. If you are in your 60’s with no mortgage and children who are grown up we are unlikely to recommend life cover for you (medical cover would be much more useful).
Personal knowledge of you: We get to know you. By understanding who you are and what your needs are we can provide you with exceptional service. When you take cover through a bank or a direct sale insurer, if you want to make changes to your cover then you may be talking to a new person each time you contact them. That means explaining who you are to a new person each time. Because we have a long term ongoing relationship with you we know who you are, why you have taken out certain products and not taken out others. You are therefore starting your conversation with us where you left off not starting from scratch.
Honesty: If you already have cover in place and it meets your needs we will tell you. We will not tell you to change insurers or increase cover if it is not the right move for you. We put our clients first.
Education: Liferaft financial advisers work through an education first model. We will not provide you with any insurance products that you do not understand. We will also invite you regularly for check ins once your cover is in place to help you. By understanding what cover you have in place you are in a better place to use it (ie. Claim) as you are more likely to know what types of situations you can claim for. Education helps put you in control of your financial needs.
Claims: We have the experience to help you through your claims – be they medical claims eg. colonoscopies, or larger claims eg. income protection, life claims. Having an adviser that can guide you through a claim takes some of the stress away. In addition we advocate for our clients to ensure that claims that should be paid are paid, and pre-approvals arrive in time for your surgery.