Having your own insurance adviser means having someone who can guide you through the process, explain your options clearly and help you make an informed decision about your protection.
Explain insurance in simple terms
I will explain the important features, benefits, costs, exclusions and limitations of the available protection, so you can understand what you are considering before making a decision.
Understand your needs and objectives
I will take the time to understand your individual circumstances, financial commitments, priorities and budget, and help you consider insurance solutions that may be appropriate for you.
Check important eligibility criteria
Before submitting an application, I will consider relevant eligibility requirements, which may include factors such as your residency, GP registration, occupation, income and other personal circumstances. This can help identify which insurers and products may be suitable for you to consider.
Consider your medical history
Where relevant, I can help establish whether your pre-existing medical conditions or medical history may affect the availability or cost of cover. Different insurers have different underwriting criteria, and some may be more suitable for particular circumstances than others.
Support you throughout the application
I can assist you with the application process, help you provide the information required by the insurer and submit the application on your behalf, where appropriate.
Provide ongoing support
My service doesn't necessarily end when your policy is arranged. If your circumstances change or you have questions about your existing protection, you can contact me to discuss whether a review may be appropriate.
Insurance can be complicated, particularly when you are comparing different providers, benefits, exclusions and underwriting requirements.
My role is to make the process easier to understand, help you consider your options and support you in making an informed decision about the protection that is appropriate for your circumstances.
ONGOING SUPPORT
Our relationship doesn't necessarily end once your insurance policy is in place. As your circumstances change, I can continue to provide support and help you understand what options may be available to you.
If you need to make a claim, I will be your first point of contact and can provide guidance throughout the claims process.
The insurer will assess the claim in accordance with the terms and conditions of your policy, but I can help you understand what information may be required and assist you with the process where appropriate.
If you change your address, your circumstances change, or you would like to discuss changing your existing level of cover, you can contact me.
Where appropriate, I can assist with the relevant forms and documentation and liaise with the insurance provider on your behalf.
If your income changes, this may affect the amount of protection that could be appropriate for you, particularly where your cover is linked to your income.
I can review your circumstances and, where relevant, help you understand whether your existing level of cover remains suitable or whether you may wish to consider making changes.
Any increase in cover will be subject to the terms of your existing policy, the insurer's criteria and, where applicable, further underwriting.
If your circumstances change and you would like to review the beneficiaries of your life insurance, I can help you understand the process and assist with the relevant documentation, where appropriate.
Any changes will be subject to the terms of your policy and the requirements of the insurance provider or trustee arrangement, where applicable.
Life doesn't stay the same, and your financial protection may need to change with it.
Having an adviser you can come back to means you have someone who understands your protection arrangements and can help you review them as your circumstances evolve.
NO PAYMENT FROM YOU
You do not pay us a fee for our meetings, advice or insurance reviews.
If you decide to proceed with an insurance product following our advice, we receive a payment (commission) directly from the insurance provider.
We do not take a separate payment from you for arranging the insurance policy.
The amount of commission we receive can vary depending on the insurance product and provider. We will provide you with the relevant information about our remuneration before you proceed, so you can make an informed decision.
There is no obligation to purchase an insurance product following our meeting or review.
Our service does not necessarily end once your insurance policy is arranged.
If you or your family experience an unexpected event and you need help understanding your insurance protection, you can contact me for guidance.
I can help you understand what your policy may cover, explain the claims process and help you understand what information or documentation may be required to make a claim.
Any claim will be assessed and decided by the insurance provider in accordance with the terms and conditions of your policy.
Our aim is to provide ongoing support and guidance throughout the life of your insurance protection — not just when you first arrange your policy.
If English is not your relatives' first language, having a Greek-speaking insurance adviser can provide additional reassurance and support.
For example, if you have nominated relatives or other individuals who may need to deal with your life insurance following your death, and they are not fluent in English or live in Greece, communicating with an adviser in their native language can make the process easier to understand during what may already be a very difficult time.
I can help explain the relevant steps, documentation and claims process in Greek, so they can better understand what is required when dealing with the insurance provider.
Having someone who can communicate with your family in their native language can provide reassurance, clarity and support when they need it most.
Your insurance adviser will carefully consider your individual circumstances, needs and objectives before making any recommendation.
We will explain why a recommended insurance solution may be suitable for you, including the key benefits, costs, exclusions and limitations, so that you can make an informed decision before proceeding.
We will also consider relevant eligibility and underwriting requirements and, where appropriate, help identify potential issues before an application is submitted.
Our aim is to recommend insurance protection that is appropriate for your circumstances and objectives, rather than simply recommending a policy that may not meet your needs.
The final decision to offer cover, and the terms on which it is offered, is made by the insurance provider and is subject to its underwriting criteria and the information provided in your application.
Our commitment is to provide you with clear, professional and personalised advice to help you make an informed decision about your insurance protection.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.
Best Brokers Ltd is a company registered in England and Wales. Registered number: 586018. Registered office: 3 Chester Bridge, Crewe, England, CW2 7EF
Best Brokers Ltd Is an Appointed Representative of Financial Expert Partnership Ltd which Is Authorised And Regulated By The Financial Conduct Authority.
Registered number : 591556.
Best Brokers Ltd act as a credit broker, not a lender.
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