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Why do you need insurance?
Because the unexpected sometimes happens. If you die, suffer a critical illness or cannot work through an accident or sickness, insurance can pay a lump sum or a replacement income to meet your needs or those of your family you leave behind.
In this section, we explain the main things you can insure, how it works and things to think about to help you decide whether you need insurance.
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How does it work?
The amount you pay for insurance will be based on the information you give the insurance company (the underwriter) and the type of risk you want to insure. Insurance companies use underwriting criteria, for example, where you live, if you smoke or what type of activity you would like to be covered for to help them work out the price (premium) of the insurance.
You might find that some insurance companies may not be able to give you a price for the cover you need. This could be because that particular insurance company doesn't offer insurance for the type of risk you want to insure. Always compare what's covered by a policy, not just the price. Some might be cheaper than others, but they may not offer the same level of protection.
Here at CRM & AGM Independent Financial Advisers Ltd we guide you through the minefield of insurance to give you exactly what you need and want.
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Getting the right type of insurance to cover the right need can be confusing. Take advantage of the FREE initial meeting here at CRM & AGM Independent Financial Advisers Ltd and receive a personal, professional service second to none. We pride ourselves on helping you to cover the things you love most. we will guide you through the minefield to provide you with the product most suitable for your needs.
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