The four reasons you should have an insurance broker are:
The knowledge a broker brings as to how to get the most from the money you spend on your insurance. What are the most likely claims that you will have and what your insurance will do for you.
The broker can help you complete the application forms so that all the information the insurance company requires is on the application form. The application process for insurance is critical because it determines what happens when you claim. A good broker brings understanding of medical conditions, what information the insurance company needs to properly assess the risk and what the terms mean for you in the event that exclusions are placed on the policy.
The broker should be available for regular reviews to make sure your insurance changes with your circumstances and that no opportunity is missed to make a claim. The broker will also help manage any exclusion’s placed as these may be reviewable over time
Finally a broker will help you make the claim and manage the process so that you do not have the stress of dealing with the insurance company at what can be a very emotional time. The broker can help the insurance company make sure that it delivers the promise of your insurance policy.
