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 Talk to the Market - FAQ

FAQ

Q: Why take out life insurance?

A: The two main reasons for taking out life insurance are mortgage protection and family protection. It means that if the worst happens, your home and your loved ones are safe and secure.

Q: What's the difference between Term and Whole of Life insurance?

A: With Term life insurance, you pay a fixed monthly premium for a fixed amount of cover for a specified term (e.g. 15 years). If you die within the term, a cash lump sum could be paid out to your beneficiaries.

With Whole of Life cover, you pay a fixed premium for a fixed amount of cover, but there's no specified term for the policy. A cash lump sum is paid out on your death, to help loved ones with final expenses, other costs and with inheritance tax, if applicable. This cover is often used for estate planning.

Q: What's the difference between Level/Decreasing/Mortgage life insurance?

A: Level cover means that the amount insured stays the same for the term of the policy, as do the premiums. If you pass away during the term, that fixed cash lump sum could be paid out.

Decreasing cover and Mortgage cover refer to the same thing. They're designed to cover a repayment mortgage over a fixed term.

The cash lump sum that could be paid out decreases as your mortgage does, over the course of the term. Your premiums also decrease, to reflect the reduced cover.

Q: There are lots of life-insurance options, can you advise me on which one I should choose?

A: At Talk to the Market®, we don't provide life-insurance advice. Instead, we search a panel of leading insurance companies to find the best life-insurance deals for you to make a choice from. You are under no obligation to buy through us. If you are in anyway unsure we recommend you seek independent financial advice.

This works out better for you. Here's why:

  • We present you with all the facts, explain all the options in plain English and leave you to make the choice. So you're under no pressure to go for any one option, and there's no hard sell.
  • We don't promote any particular product, so the choice you make is the right one for you, not for us. Therefore, you can choose based on your own personal circumstances.

Q: How does the process work?

A: One phone call is all it takes to get started. We capture your details and our friendly, helpful life-insurance experts will guide you through the process on the phone.

Your life insurance consultant is your single point of contact, and will handle the process from start to finish.

Q: I've heard it can get quite involved. What if there are complications?

A: At Talk to the Market®, we keep things simple, so you don't have to worry about the detail.

Your consultant will gather all the information they need, then make an online application on your behalf. If the process is referred to underwriting, they'll handle it all, making sure that things run smoothly. They'll coordinate everybody involved to resolve any issues swiftly and efficiently.

And whenever you need an update, or have a question, they're only a phone call away.

Q: What's the difference between what you do and what an IFA (Independent Financial Adviser) does?

A: IFAs provide advice: they look at your circumstances and suggest a particular course of action or specific insurance products.

In certain circumstances, it makes sense to seek the advice of an IFA. In fact we sometimes tell clients to do so, when their particular situation has a level of complexity that justifies it.

We do not provide advice but do search our panel of insurers for the best possible life insurance, tailored to your individual needs. We give you the facts so you can make an informed decision.

Plus, it's faster, simpler and more cost-effective.

In the unlikely event that you are in doubt please seek independent financial advice.

Q: I'm not sure what type of cover I need, and I find the terminology confusing.

A: Choosing the right type of life insurance can often seem a daunting task. But it's important to get it right: you only live once, and you want to make sure that your loved ones are covered if anything happens to you.

And that's where we can help.

Our experienced, friendly team of life-insurance experts are always on hand to explain the available options, and find cover that meets your needs.

Q: What is Critical Illness Cover?

A: Critical Illness Cover insures you against a range of conditions that could have an impact on your earning potential and financial security.

For a fixed premium over a fixed term, you could be paid a cash lump sum if you're affected by one of those illnesses.

The cover is designed to make a difficult time easier. It could help you meet your mortgage payments, cover everyday expenses, pay for care or simply take time to adapt to your new situation, without the added worry of financial uncertainty.

Need more information? Our life-insurance experts are just a phone call away, with simple, jargon-free answers to all your questions.

Q: Can anyone get life insurance?

A: Depending on your circumstances there may be certain exclusions, exemptions and risks. Also life insurance is not right for or indeed available for certain people.

Q: How does Talk to the Market earn money?

A: Talk to the Market is a data capture website and is remunerated for the purpose of data capture only via the Financial Conduct Authority (FCA) authorised firms and not via commission from insurance providers.

Q: What is non-disclosure?

A: Non-disclosure is where you knowingly or where you can be expected to reasonably have knowledge of, provide false information or not be entirely truthful with your answers during an application.

Note that in the event of non-disclosure your application for life insurance may be declined, or if it is accepted then the claim may not be paid out in the event of a claim. You can read more about disclosure of information here.

Q: What to do if you are unhappy;

A: We aim at all times to provide you with an excellent service. However, if you are unhappy with any aspect of our service for any reason, please contact us by writing to; Talk to the Market, Suite 6, Bourne Gates, 25 Bourne Valley Road, BH12 1DY or you can call us on; 0800 066 3663. You can read more about our complaints and enquiries procedures here.

Q:What should I do if I am unsure?

A: If you are in any way unsure about whether an insurance policy is right for you we recommend you seek independent financial advice.

Q:I would like to know more about any exemptions and exclusions within the different life insurance policies. Where can I find mnore information?

A: We have compiled a list of the main features and benefits for a range of life insurance policy types. You can view our Features and Benefits page here Please note that this is to provide you with a guide and is therefore exhaustive. You should read all documentation received for a life insurance policy fully and any exemptions or exclusions it lists.

Found my consultant to be friendly, professional and very helpful of my needs!
Miss Pocock London

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