Your sponsors/donors will be dealing with a fully qualified adviser. All of the advisers can choose from the whole market to find the best deals when deciding which insurance company would be best to use. This means that there is a very good chance that they can save money if they are already paying out for any of these insurances through someone else. This particularly applies if they bought their insurance through a bank, building society or national broker (maybe with their mortgage) who often sell 'dual priced' insurance (higher payments for more commission) at the expense of the customer. Surprisingly it is therefore often the case that our advisers can provide the SAME insurance with the SAME insurance company at a much lower price than the banks. This is a little known fact that is obviously not publicised by the banks concerned. In addition, all advisers are also skilled in writing policies in trust where appropriate. This has several benefits including reducing inheritance tax liability and ensuring the money goes to the right people as quickly as possible.
Some of the more well known insurance companies that our advisers are currently using include AXA, Bright Grey, Bupa, Legal & General, Prudential, Norwich Union (Aviva), Scottish Provident, LV (Liverpool Victoria) and Royal Liver.
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