An honest read on what cover you actually need

Insurance decisions are usually made under pressure, from an adviser with a policy to sell, at the exact moment you’re least equipped to evaluate it clearly. As part of a Holistic Financial Review, I’ll assess what cover actually fits your circumstances and your dependants, independent of any commission.

Where cover genuinely is the right call, there are two routes. You can apply directly with an insurer online, and I explain how the process works. If your situation is more complex, such as health history, business cover or replacing an existing policy, I refer you to a licensed broker partner for personal insurance advice. I don’t take a commission or referral fee either way.

Buying directly means no broker manages your policy or a claim for you. If that is a risk in your situation, I’ll tell you, and the broker route is the right one.