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“I Just Want A Quote…

Why all the questions?”

I recently received a call for a protection quote and heard the above statement.

We can just provide a quote, but why does a good Financial Planner seek more information before quoting?

  • Tailored Solutions: No two financial situations are exactly alike. A quote based on generic assumptions might not address your specific needs or goals. By gathering more information about your financial status, including income, expenses, assets, debts, and future aspirations we can ensure that the policy you are looking for suits your unique circumstances.
  • Unforeseen Challenges: Sometimes, what appears to be a straightforward financial situation can reveal hidden needs that haven’t been considered. For example, over insured with Life Cover and no “Living Protection” against sickness or accident that could impact financial health by reducing future income. By gathering detailed information upfront, a financial planner can uncover these potential issues and proactively address them in the advice process.
  • Building Trust and Transparency: Trust is key in the client-planner relationship. By openly discussing your financial situation and goals, you lay the foundation for a trusting partnership with your planner. Sharing detailed information allows a planner to give the right advice for you, ensuring you the policy being quoted for is what you actually need.
  • Cost-Effective Solutions: A thorough understanding of your financial situation can help optimise the value you receive. By tailoring their recommendations to your specific needs and goals, a planner can help you make informed decisions that maximise your financial resources and minimise unnecessary expenses. In the long run, this personalised approach can lead to greater cost-effectiveness and financial well-being.

We just can provide you with a quote, but reviewing your personal situation ensures that the solution we offer adequately addresses your needs.

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