Why take independent financial advice?

By taking unbiased "independent" advice you get more choice than you would by going to a Direct Insurer. More choice generally means lower premiums and a contract that is tailored to suit your individual needs. If you are thinking of buying direct from a specific Insurance Company, be aware that an individual company can only advise on their own products and are inevitably biased towards them.

If you carry out your own research and have a good understanding of financial products, and the risks involved in investing in equity backed products, you may wish to use the Independant Plans financial information (Direct Offer) services. Direct Offer means that we offer a choice of products, and key features information, which you can self select without any client specific advice. This means that a basic product may exclude options such as waiver of premium, life cover, or critical illness. Mortgages may not include Mortgage Protection, Life Cover or options such as Accident , Sickness and Unemployment insurance. With this service Independant Plans do not offer client specific advice on the product, the fund choice or if the product is suitable for you in connection with your overall financial position. If you require any options not available or feel that you need advice of any kind it is essential that you use the Advice Services.