Personal insurance advice: Operating under IFO Peace of Mind Advice Limited.
What we can explore
- Who and what you would like to protect
- Existing cover and financial commitments
- Types of cover and common exclusions
- Understanding affordability and trade-offs
Questions you may have
How much life insurance might I need?
Start with what would need to be paid if your income or care were no longer there: mortgage and other debts, daily living expenses, childcare, education and future goals. Existing assets and insurance may reduce the gap. Sharleen can help you work through the questions under IFO’s advice process.
Can I have life insurance if I have an existing medical condition?
Often an application is still possible, but an insurer may ask for medical information and may offer standard terms, adjusted premiums, exclusions or a different outcome. Accurate disclosure is essential, and cover should never be assumed before acceptance.
What happens to my life cover if I change jobs?
An individually owned policy may be unaffected by a job change, but group cover through an employer can have different rules. Check who owns your policy, whether it is portable, and when cover could cease before relying on it.
Can I increase my existing life insurance?
Many insurers offer ways to apply for additional cover. Some policies have specified increase options following life events, while others require new health or financial information. We can review the policy wording and explore your options.
How we work
We begin by understanding your needs and existing protection. Sharleen explains relevant options through the advice process operating under IFO Peace of Mind Advice Limited.
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