| There are a number of ways to get competitive | | | | not the best price, ask why? The specialist may |
| prices for you life insurance, the best way is to | | | | have good reason for discounting the first four |
| use a specialist. | | | | quotes - they may feel the providers are not |
| Why? Well using a specialist gives you access to | | | | financially strong, have a poor claims record or |
| the whole of the market, in other words you are | | | | their customer service is less than acceptable. |
| gaining quotes from every provider. In real terms | | | | In my opinion the bad old days of pushing or hard |
| it is impossible to garner a quotation form every | | | | selling has ended this is mainly due to the |
| company and review the companies offerings but | | | | disbanding of sales lead target orientated sales |
| using the latest professional software (not | | | | forces from companies such as Prudential and |
| available to the general public) a search of the | | | | CIS Insurance. |
| majority is possible. | | | | In essence getting the best life quotes is based |
| This gives you a great start as the specialist can | | | | getting the best independent advice - this can only |
| find you the best price. One criticism of this is the | | | | be achieved by using a local specialist. I accept |
| broker will simply choose the policy that provides | | | | there are comparison sites on the internet |
| the most commission, you can however ask for | | | | however these are poor cousins compared to the |
| a comparison used to produce your prices. | | | | professional sourcing systems available to your |
| If you have been given the 5th highest price and | | | | local specialist. |