Providing Life Insurance

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Article published on 1st July 2008

Whatever sort of life insurance you go for it is a good idea that you shop around for the policy that you think we be best for you and your circumstances. Make sure you have a clear picture of what you want from your life insurance and in that way you will help insurance advisors and agents find you best policy for you.

One of the most important things to check and re-check before singing any documents is exactly how much you will be paying out, how frequently and for what period of time. Also, be absolutely clear on what your or your loved ones can expect from the policy should you die.

Whatever the sort of Life Insurance you go for, your insurance provider has to be recognised and authorised by the Financial Services Authority (FSA) - the body that makes sure that all insurers are solvent and properly administered and managed. This means that anyone offering you advice on investment life insurance or even personal pensions must be authorised and accredited by and with the Financial Services Authority.

You can check for yourself that your advisor has such authorisation by reviewing the FSA Firm Check Service for yourself (available at: At the current time all advisors must be either 'tied' - which means that they sell policies from a single provider, like sales reps from particular insurance companies or agents bound to one company (or whatever - or they must be independent, meaning that they are free to shop around on your behalf and look at the policies on offer from the whole range of companies and insurers out there.

Independent advisors are probably the best bet for most people who aren't yet certain of what is out there for them. If, on the other hand, you have already done lots of research and have a very clear picture of what you are looking for, you may also know which companies and providers offer the best deal for what you are looking for, and in which case a tied agent working for the company you have already researched would serve perfectly well.

In order to get an instant online quote for Life Insurance, please visit our Life Insurance Quote page, or please feel free to contact one of our friendly advisor's for financial advice on Life Insurance free on 0808 17 82 777.

Click Here for an Instant Online Life Insurance Quote

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