New checklist to spot a good life insurance broker
Tue, 30 Sep 2008
A checklist for recognising a good life insurance broker has been compiled by LifeSearch .

According to the independent life insurance and protection specialist, a good broker should have a dedicated claims desk and let customers know how they will help them fight their case if the insurer declines or delays a claim . Also, there should be hidden benefits available such as care and counselling services .

A good broker should record all underwriting and sales telephone calls, which the firm says is essential for consumer protection as it proves the customer gave all the information that was required.

As part of the policy set-up, trust advice should be given as this will stop the Inland Revenue from holding back the policy when inheritance tax bills are paid on the estate of the deceased person. Additionally, income protection should be recommended over Accident Sickness Unemployment (ASU). The former pays regularly until the claimant returns to work, while ASU covers for only a short period and has a bad claims record.
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