There are a number of ways to get competitive prices for you life insurance, the best way is to use a specialist.
Why? Well using a specialist gives you access to the whole of the market, in other words you are gaining quotes from every provider.
In real terms it is impossible to garner a quotation form every company and review the companies offerings but using the latest professional software (not available to the general public) a search of the majority is possible.
This gives you a great start as the specialist can find you the best price.
One criticism of this is the broker will simply choose the policy that provides the most commission, you can however ask for a comparison used to produce your prices.
If you have been given the 5th highest price and not the best price, ask why? The specialist may have good reason for discounting the first four quotes - they may feel the providers are not financially strong, have a poor claims record or their customer service is less than acceptable.
In my opinion the bad old days of pushing or hard selling has ended this is mainly due to the disbanding of sales lead target orientated sales forces from companies such as Prudential and CIS Insurance.
In essence getting the best life quotes is based getting the best independent advice - this can only be achieved by using a local specialist.
I accept there are comparison sites on the internet however these are poor cousins compared to the professional sourcing systems available to your local specialist.
Why? Well using a specialist gives you access to the whole of the market, in other words you are gaining quotes from every provider.
In real terms it is impossible to garner a quotation form every company and review the companies offerings but using the latest professional software (not available to the general public) a search of the majority is possible.
This gives you a great start as the specialist can find you the best price.
One criticism of this is the broker will simply choose the policy that provides the most commission, you can however ask for a comparison used to produce your prices.
If you have been given the 5th highest price and not the best price, ask why? The specialist may have good reason for discounting the first four quotes - they may feel the providers are not financially strong, have a poor claims record or their customer service is less than acceptable.
In my opinion the bad old days of pushing or hard selling has ended this is mainly due to the disbanding of sales lead target orientated sales forces from companies such as Prudential and CIS Insurance.
In essence getting the best life quotes is based getting the best independent advice - this can only be achieved by using a local specialist.
I accept there are comparison sites on the internet however these are poor cousins compared to the professional sourcing systems available to your local specialist.
