get the right advice

Why it's good to get the right advice

Oct 13, 2021 1:41:30 PM / by HealthCarePlus

Do you know that comparison sites are not always the best way to compare insurance policies?

Some of the policies you’ll be offered can be fairly generic so if you want a policy that meets your individual circumstances it might be better to use a specialist.

A qualified Financial Adviser can help work out exactly what you need cover for and customise insurance cover specifically for you.

They can be invaluable in sourcing the best deal for you, customised to suit you perfectly. And, in the event you need to make a claim, an adviser can help you through the claims process – removing the stress so you can focus on you and your loved ones.

“When it comes to medical insurance and the different types of life insurance – things can quickly become very complicated.  This is when having someone to help you – a financial adviser – can be a great help.  With HealthCarePlus, we have approved financial advisers in place – our HealthCarePlus Representatives.  They are ready and in place to help you."  

- Austin Fisher, National Manager Life and Health


Here are a few other reasons why going to a Financial Adviser for insurance might be the best choice:


1. Getting expert guidance does not cost you more

Like comparison sites they get paid commission by the insurance provider for selling their products so you don’t pay them a fee for shopping around to get you the most appropriate plans for your needs

Unlike comparison sites they have specialist expertise and can give you guidance on the products that best suit your needs.


2. They know all the options

Insurers won’t always offer you every type of cover when you go directly to them. Financial Advisers can help point out the types of cover available for the insurers they represent and help you work out what you need.


3. They will find you the right product for you

A Financial Adviser will ask you about your personal circumstances to find you the right policy. They’ll also be able to tell you if you’re already covered by your existing insurance policies so you don’t overlap, and they will often get you a good deal by comparing prices and product features

"Our Reps are aligned to HealthCarePlus and operate under Crombie Lockwood’s Financial Advice Practice licence.  Using this combined buying power, you can access preferential premium rates that are unavailable to the general public.   HealthCarePlus  offers great value for high quality medical insurance with their Hospital Select Plan.  However, the HCP Reps can also access all Life insurers, so you can be can be certain that you are getting the best cover available - and at preferential premium rates."  - Austin Fisher, National Manager Life and Health

4. Find Specialised cover

If your need is specialised they can find tailored cover to suit your needs


5. Continue to Support you

If you need to make a claim, your Financial Adviser can support you by taking away the hassle and worry during a stressful time. Also, if your circumstances change they are on hand to review your cover to make sure it’s still right for you.

"And your HealthCarePlus Reps will continue to be with you. All the way.  If things change like your job, your health, or if a new bundle of joy comes along – they will be there to help.  Our Reps are on your side, with your interests being the top priority.  This is why our members feel it’s good to belong to HealthCarePlus.”


Get the right advice

At HealthCarePlus, we have a nationwide team of Financial Advisers, so if you’d like to talk to one of them from your area, you can book a time for a free no obligation chat about your circumstances and what could be right for you.


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Tags: Financial Resilience, Insurance