Insurance is protection, not an investment, and the two are worth keeping apart in your head. A policy pays out on a defined event; what it costs and what it excludes is set out in the policy document.
Products that combine insurance with investment exist, and they are frequently sold on the investment half. We would rather you understood both halves separately before deciding whether a combined product is what you want.
What we help with
Assistance and explanation — the decision stays yours.
- Explaining what the available products cover and what they exclude
- Going through premium terms, policy duration and renewal conditions
- Helping with the application and documentation
- Pointing you to the policy documents that govern the contract
Read the exclusions
The part of a policy that decides whether a claim is paid is usually the exclusions list, and it is usually the part nobody reads. We will read it with you.
Common questions
- Is insurance an investment?
- Protection and investment are different objectives. Some products combine them; whether that suits you depends on what you actually need, and it is worth deciding that before you look at products.
- Who decides which policy I take?
- You do, after reading the policy document. Our role is to explain the options and assist with the process.
Insurance products are offered by the respective insurers and are subject to their terms, conditions and exclusions. Availability and eligibility are subject to applicable laws and regulations.