What We Need To Know
Here you will be able to see the process of the phone call with our friendly expert advisors. You will be able to see what questions will be asked and what the advisor requires you to do before getting your quote.
​
Remember you can stop the advisor at any time if you have any questions or queries.
1
Have you already received advice on life insurance & do you already have it?
One of the first questions you will be asked is have you already received any information or advise on life insurance in the past and what information you already know about the process.
2
Our calls are recorded, so here we will ask permission to continue
All our calls are recorded for quality control and training purposes.
3
Confirmation who we are talking to
At this point, we need to confirm exactly who we are talking to you will be asked to confirm:
-
Name
-
Date of birth
-
First line of address & postcode
4
Factfind about you
At this point of the call, we need to gather all the relevant information to get an accurate quote for you, you can expect to answer the following questions:
-
Are you married/single/living with a partner?
-
Who would you like insurance for? single or joint policy
-
Your occupation
-
Full-time/part-time/ employed/ self-employed?
-
Your annual salary
-
Your disposable income
-
Your monthly budget/maximum affordability
-
Any children? if so, what age?
-
Mortgage or renting?
-
Any loans or debts?
-
Any savings for unforeseen circumstances?
-
Do you have a will?
-
Are there any future changes? moving house, planning on having a baby, etc.
-
Do you have sick pay with work?
-
Do you have death in service with your job?
-
Are you a UK resident?
-
Why would you like life insurance?
5
Do you have any medical/health conditions?
It is crucial at this section of the call to answer honestly as this could affect your policy and might result in a no-payout situation should the worst happen to you.
6
Policy Confirmation
At this point, your policy will be confirmed with you, if you're ready to proceed. You will also hear the benefits of going with this particular provider and what services they can offer you as well as your cover.
​
You will be asked to confirm:
-
If you are the account holder
-
If you have a joint account you will need to confirm you have the authority to set up a Direct Debit Mandate (DDM)
​
At this point of the call, if you are ready to proceed your relevant bank details will be taken and the advisor will confirm how the provider will appear on your bank statement. Whilst also running through other relevant banking procedures and T&Cs.
7
Final Confirmation
Here the advisor will run through one final confirmation of everything discussed with you including your provider, price per month, length of cover, date policy starts, direct debit details & if you have any further questions.
That's It! - Ready For Your Call?
