You can ring up and make a phone call and have the warm feeling of being insured immediately, a big risk for being poorly insured immediately.

You will only know that you’ve been poorly insured at the time of claim, or if you’ve reviewed insurance a few years down the track and discovered you’ve been paying for a crappy policy for so many years.

Essentially you need to buy insurance with the absolute confidence to know that when you’re in your darkest hour of disability or a loved one dying that you do not have to worry about the financial security aspect.

At claim time the first thing an insurance company will do when they receive a claim in death or disability is discover  a way to avoid paying this claim.  This may sound cynical or even litigious but the fact is insurance companies will look for a way to not pay the claim and this is why it is essential even for the largest and best insurance companies in Australia that you obtain advice when structuring your insurance.

When you’re setting up the insurance or claiming on insurance to know you have someone on your side it’s working for you just make sense doesn’t IT?

So this might mean to buy insurance may take 2 or 3, one hour long meetings rather than a 30 minute phone call to someone you’ll never see again.

Oh and in most cases that I’ve seen using this professional can actually find cheaper and better quality insurance premiums than the one hour phone call. This even surprised me and it just goes to show how much commission is being made along the line.

Plus you’ll have insurance that you know, if you end up in a wheelchair,  sick in hospital for 12 months or five years  OR cancer or  dead , that there is a person that you know and has met that will help you through the claim.

How do I know this, because I do it. In my 20 years of financial planning and providing insurance solutions sadly I’ve done it too many times.

But I know it gives my clients security and some confidence during a very stressful and horrible. In their life.

So with anything in life it’s important takes time and make sure it’s done right the first time.