Insurance Service
Thinking of how to arrange home insurance to protect your home by taking precautions? Paying for something on your home insurance that you don’t need? Or not got as much cover as you’d like? Don’t worry, we will refer you to our single tied insurance provider, Legal and General, to help solve your home insurance problem.
Few things in life can provide more peace of mind than having a secure financial future. Whether it’s your family, home or lifestyle, knowing that the things that are most important to you are protected if the worst should happen means you can enjoy the here and now.
Many people use multiple credit cards in their daily lives, and it’s not uncommon to take out a loan to cover home improvements, purchase a vehicle, or to consolidate debt. Mortgages are likely to be the most significant credit people will ever have. The cost of repaying multiple creditors may not pose a problem when you can rely on your monthly income, but what if that should change? It’s easy to see how debt can pile up quickly. There are different types of insurance which could help to ensure you don’t encounter serious debt problems in the short-term if your circumstances should change suddenly.
Request Documents
1) Provide the relevant personal information and the insurance information, including：Name, Gender, Date of birth, Address, Email, Smoke status, Insurance information (e.g. home insurance – need to provide the information regarding your home)
2) Provide ID (e.g. Passport) and Poof of address (e.g. Utility bills or Bank statement or credit card statement within last 3 months).
Insurance Steps and Time Scales
1) Communicate with your insurance broker and describe your purpose of buying the insurance as well as what type of insurance you need.You need to sign some relevant documents, such as Privacy Notice and Authority to Proceed, in order to protect your privacy and interest.
2) According to your needs, the insurance broker will seek for a proper product from the relevant market or its own panel and give you an initial plan. The plan generally includes a quotation, product research and price comparison, and key facts document.Communicate with your insurance broker after reading the initial plan, manage to clarify the essential details such as the product cost, the term of service and the potential risk, and adjust the plan details to make the final decision to meet the actual needs within reasonable budget.
3) Provide your relevant personal information and make a payment in accordance with the request of insurance company. The policy will be in force after underwriting.You will receive the insurance policy certificate and relevant documents from the insurance company by email or/and post mail.
The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.