As consumer duty forces us to re-look at our practices and processes, it provides an opportunity to work together.

High-risk customers that suffer from a severe pre-existing medical condition in particular require specialist support due to the sheer knowledge that goes into the case.

It takes time to learn and understand the hundreds of medical conditions there are and how this can affect the options available for the customer.

At the Insurance Surgery we nurture our employees, and every Adviser has access to training and development as well as full support from a non-judgmental and approachable team to help our customers obtain the financial support they deserve.

Trusting a broker to support your client can be daunting.

It can be hard to refer your client and feel reassured that they are receiving the full support needed. We have provided a few tips on how you can vet a broker below:

1. Check ‘verified’ reviews – verified reviews are from certified customers. The data is automatically processed through the review platform once cover is in place. So, you know that these reviews reflect the broker accurately
2. Test the customer service first hand – request a test at random with one of the sales advisers, see how long it takes for someone to get in touch and the level of support you are provided
3. Check out case studies – sometimes you just need examples to help with understanding the capabilities of the broker, case studies are a terrific way to understand the level of support a broker will go to for the client
4. Ask your clients to feedback on the service provided – getting first hand advice is a reliable source for peace of mind
5. Give them time, specialist cases, can take time – often our advisers are appealing cases for the customer or following up on a GP report

Why should I refer my client to a life insurance broker?

A life insurance broker such as the Insurance Surgery can supply unbiased advice whilst comparing the whole of market. To find the best policy to meet your client’s needs and budget. As a long-standing specialist, we also have exclusive access to products that can support severe cases of mental health, Diabetes and HIV.

Expertise.

As a specialist we support high-risk clients obtain cover, and with over 20 years’ experience, we know where to place customers, so they have the right type of cover available. However, it’s not just knowing where to place the client. It’s having the patience to wait months or years to complete an application. High-risk clients require more time to process the application and will often require negotiations with underwriters. We take this all into consideration and plan accordingly, offering to support the customer with GP follow ups and regular check-ins.

Supporting with workload.

We can take your high-risk clients off your plate, which will allow you to focus on other important priorities. You can feel comfortable knowing that your clients are in excellent hands – as we are highly regarded by our customers on all major review platforms, such as Trustpilot, Feefo, Google and Smart Money People.

The Insurance Surgery cover over 130 medical conditions, and this is increasing each year. We also have exclusive access to a range of Mental Health products that are not available to the whole of market. Making us only 1of 4 brokers in the UK to provide these specialist mental health products. This allows us to competitively source affordable cover for people with Mental Health disorders.

Some of the medical conditions we can cover include (please note this list is not exhaustive)

• High BMI
• Diabetes – type 1, 2 or other variants
• Stroke
• Heart Disease
• Post Cancer
• Mental Health
• HIV
• Crohn’s
• Plus, many more…

We don’t just cover medical conditions. We also obtain cover for people with dangerous occupations and or who take part in extreme sports. As specialist protection experts, we are fully equipped to help people in the police force, army or in construction find affordable protection cover.

The Benefits of using The Insurance Surgery.

• Support with consumer duty demands for fairer advice for people with specific needs
• Ensure that your clients are given the right advice by understanding their specific needs
• Help clients to compare policies from different insurers to find the best policy for them
• Provide advice on the best ways to save money on life insurance
• Give guidance on the added benefits with a life insurance policy
• We understand the legal and regulatory requirements for providing life & protection advice
• Follow best practices for managing your clients’ information and data
• Transparent and honest with clients on the support we can provide

 The Insurance Surgery has access to underwriters and can negotiate the best terms for your client. We also have specialist advisers who can supply specific advice on complex or B2B cases.