Insurance Broker

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Declined Life Cover???

A decline on life cover is pretty uncommon and is quite serious!

A life company will usually decline cover due to a serious pre-existing condition, or due to a number of less severe conditions.

It may have been that your case was not presented in the best light, to the insurance company.

We specialise in all types of Life & Pensions Products such as:

Life Cover | Mortgage Protection | Serious Illness Cover | Pensions | Investments

Why not contact our friendly and fully qualified Financial Advisor Claire Mackle today on 01-9052745 and she may be able to help!

 

 

 

Declined Cover

The benefits of using an Insurance broker

 

 

The benefits of using an Insurance broker

It’s that time of year again when your dreaded insurance renewal comes through the door..! With insurance premiums continuing to rise at an alarming rate in Ireland, finding the right level of insurance can be a very time consuming and expensive task. If you’re hoping to source a better deal or unsure of the level of cover you require then an insurance broker is the ideal solution!

At O’Loughlin Insurance Group we are experts in the market and it is our job to find you the best cover that suits your needs at the best price!

Here are some of the main advantages of using an Insurance broker:

1: Cost effective

The sole aim for the broker is to find their clients the very best price for their insurance that meets their budget. They will source out the cheapest price available with the appropriate level of cover that you require so you avoid buying a policy that doesn’t adequately cover your needs.

2: Time effective

Trawling online sites for quotes and phoning around can be a tireless and time consuming task. One phone call to your insurance broker and they will do the hard work for you!

3: Peace of mind

When buying policies online it is very easy to leave yourself short in terms of cover and benefits as it difficult to fully understand the insurance jargon. However by buying a policy through a broker you can be confident that you are getting the most adequate cover that you require and your broker can explain the benefits and features of your policy in simple terms. Insurance brokers are more efficient at cross checking policies and educating their clients on types of cover and answering any queries they may have than direct channels.

4: Claims Service

Anybody who has been involved in a claim before will now how stressful and complicated the process can be. This can lead to a very time consuming and frustrating process for the client. An insurance broker will handle all claims for you, minimising stress and helping you get the best resolution to the claim in a shorter turnaround than direct channels.

5: Long standing relationships

Insurance brokers pride themselves on building long term relationships with their clients. This means that the client will generally have a personal account handler looking after their needs and will be able to get to know you properly therefore understanding your every need to find the best policies. With direct channels it is almost impossible to build a relationship with any agent and you will generally be passed around from one person to the next.

Summary

To summarise Insurance Brokers are experts in the market and with their selected group of insurers they will find you the best cover at the best price!

If you’re shopping around for niche products or require cover for an unusual risk then Insurance brokers can use their knowledge and experience to source the correct cover for you.

At O’Loughlin Insurance Group we deal with all types of Insurance from Personal to Large Commercial risk and Life & Pensions needs.

To obtain a quotation or enquire about any of our products please feel free to drop into our offices or contact me on either of the below formats.

Colin Rafferty CIP

Personal Lines Manager

T: 01-9052742

E: colin@oig.ie

Personal Insurance: Car | Van | Home | Rental Properties | Travel | Gadget

Commercial Insurance: Shops & Offices | Restaurants | Liability | Tradesmen | Fleets 

Niche Schemes: Camera & Drone Insurance | Musician Insurance| TV & Film Insurance

Financial Services: Life & Serious Illness Cover |Pensions | Savings & Investments

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