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Five reasons to use a protection adviser

LifeSearch author Katie Crook-Davies
5 min read

by Katie Crook-Davies, Protection Writer

See author bio

Katie works with insurers and distributors to make protection propositions more accessible, pricing more transparent and marketing messages more simple.See author bio

Guide last reviewed 4 Jan 2024

So perhaps you’ve decided that it’s time to sort out that insurance policy for you and your family, but with so many options out there, and lots of decisions to make, it can be difficult to know where to start! When it comes to protecting families, we think that the most important thing you can do is get professional financial advice through a financial adviser, or a protection adviser, and we explain our top five reasons why, below!

Protection advisers know the insurance market inside and out

They really do! They’re qualified experts in insurance and their job is to recommend the best product to suit your needs and those of your family. This is handy if, like many of us, you simply don’t have the time to personally research the whole insurance market, the various different options available and the prices. Advisers work with you to really understand your financial situation, your health and lifestyle and the longer term financial goals of your family. Based on this, they will find the best insurance product for you. 

At LifeSearch, financial protection is our bread and butter, in fact it’s all we’ve ever done since we were born back in 1998! Today we’re the UK’s biggest life insurance broker, we work with leading UK insurers and our team of 400+ protection experts has so far helped to protect over 875,000 families! We advise on the full range of protection products, including life insurance, critical illness insurance and income protection. If you’d like to hear more about the services we offer and how we can get you and your loved ones protected, just give us a call on 0800 316 7253.

Life and protection insurance advice is fee-free

That’s right, you won’t have to pay a penny to LifeSearch for our advisers professional advice! 

Okay, so how do protection insurance advisers or financial advisers make money? Let us explain

Insurance or financial advisers work independently or for a regulated business like LifeSearch - and receive a payment directly from the insurers when they sell a particular insurer’s policy (otherwise known as a commission). 

Our protection advisers here at LifeSearch are employed directly by LifeSearch, or for an affiliated LifeSearch Partner - so it is LifeSearch who receive payment from insurers. But you, as a customer, don’t have to pay anything as it’s all included in your monthly premium; and using a top life insurance broker like LifeSearch means not only do you get the BEST advice for FREE, but we also access leading UK insurers at preferable rates, often at lower prices - compared to going directly to a particular insurer.

So we think getting advice when it comes to protecting your family is kind of a no-brainer - there’s nothing to lose!

Advisers deliver a personal service

Why is this important? Well, because everyone is different! 

Some people decide to buy their life insurance cover and other protection products online, typically using a comparison website. These sites are great if:

  • You know exactly which insurance product you need
  • You’re happy to decide on a policy based on price alone
  • You’re in good health. 
This is because online comparison sites take quite a simple approach to insurance - showing you the products with the cheapest premiums. If you’re in good health, you’ll be able to apply for your chosen policy online and get covered - all in just a few minutes.
This route works perfectly for some people, but many turn to specialist advisers for support. A protection insurance adviser will be able to recommend the specific product that’s right for your personal needs and will also be able to explain the differences between insurers and their products. Believe us when we say, the devil really is in the detail when it comes to life and other protection insurance products! 

We don’t think that price should be the only deciding factor when it comes to choosing a financial protection product, because ultimately, you get what you pay for. Cheaper insurance policies will likely be more restrictive in terms of the things they cover, and it’s always important to be aware of these differences, which is where our expert advisers can help.

Also, if you’ve ever had any health issues or have a family history of poor health, you may find it a little more difficult to buy one of these insurance products, especially via a comparison website. When you apply for an insurance policy, you’ll be asked questions about your health, and your answers will impact an insurer’s decision to offer cover to you and the price that they charge. A protection insurance adviser will get to understand your full medical history, and because they also understand how insurers view different health conditions, they will be able to recommend the insurer who is most likely to offer you cover at an affordable price.

If you have health concerns and would like to explore your options, request a callback from one of our trained protection advisers who will be very happy to help!

Protection insurance advisers are there in the good and the bad

Protection policies are there to provide financial peace of mind - so you know that, should the worst happen, your loved ones are taken care of financially. Our advisers not only find the best protection policy for you, and help to get that policy in place, they also step in to support you and your family should that worst case scenario ever arise.

At LifeSearch, we run a free full-time claims service, and we’re actually pretty unique in doing this. We understand that filling in paperwork and dealing with policy admin would probably be the last things you’d want to do if you or your loved ones ever did need to make a claim on your policy. That’s where our specialist claims team can step in to help, relieving any pressure and allowing you to focus your time on far more important things. 

Our advisers are regulated by the FCA

Financial advice businesses are registered with the Financial Conduct Authority (FCA), which is the UK’s consumer-focussed financial regulator. By working with an FCA regulated business, such as LifeSearch, you will receive additional protection and may be able to claim compensation if anything were to go wrong. This is something we would obviously never want to happen, but it’s always nice to know you have the protection, just in case.

Get fee-free advice on what to do next to get your life cover sorted

One of our advisers will get to know you and your personal needs, talk about which types of life cover might suit you best, and can even provide quotes specific to you.

Get fee-free advice & quotes
LifeSearch author Katie Crook-Davies
Katie Crook-Davies Protection Writer
Katie is an independent insurance consultant who is passionate about protection and wants to share that passion with others through engaging marketing content. She hopes that one day people will get as excited about protecting themselves and their loved ones, as she does!
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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.