W
warthog
Hi there,
where's the best place to get Life Insurance?
Thanks.
where's the best place to get Life Insurance?
Thanks.
If you get it from me and you don't make a claim (die) during the term ofwarthog said:Hi there,
where's the best place to get Life Insurance?
Thanks.
Now we have had one thread from you already about this, now I think youfinancefan said:If you get it from me and you don't make a claim (die) during the term of
the plan, you get all your premiums back.
Thanks for your comments Tim, you are right it is unregulated insurance so ITimothy Lee said:Now we have had one thread from you already about this, now I think you
might get in trouble soon, I realise you are offering non-regulated
cover, but you shouldn't really be touting for it here, and I am sure
you should also be pointing out that you are offering it as some sort of
a rep of just one company.
I may have missed it but I think you are working for American Life and Ifinancefan said:Thanks for your comments Tim, you are right it is unregulated insurance so I
have every right to advertise here just as you are advertising your website
address. If you are posting on here out of genuine concern for people why do
you post your web-site address as well. At least I am upfront and
furthermore I believe that what I am offering is an excellent product. If
people are not interested (and I have had a lot of response from my
postings) then that is perfectly OK, I am not in the business of
pressurising anyone into anything but I think people have the right to know
what is out there in order to make an informed decision about what they
want. I am sure that anyone reading this gets bombarded by marketing e-mails
selling cheap insurance, so why can't I put postings in a couple of news
groups that I have posted to in the past?
One would hope that the business plan isn't one based uponTimothy Lee said:In the other thread you are suggesting that cheaper quotes from other
companies will have term rates that will be going up, ok there are
reviewable term rates, but most policies are guaranteed rates. Your
proposition is to load the premium in the expectation that people will
not maintain the policy for the full term and/or forget to claim their
refund etc.
Who's touting now??Timothy Lee said:I may have missed it but I think you are working for American Life and I
am sure they (or whoever it is) will want you to confirm which company
you are working for.
In the other thread you are suggesting that cheaper quotes from other
companies will have term rates that will be going up, ok there are
reviewable term rates, but most policies are guaranteed rates. Your
proposition is to load the premium in the expectation that people will
not maintain the policy for the full term and/or forget to claim their
refund etc.
You say you have had interest from your postings, if that is so, we
should point out that there are IFAs here who will be able to secure
much more competitive rates from the entire marketplace.
It must take you all day, they should really be paying you for this. As IYou may also find it helpful to read newsgroup charters.
-- I hope you give this 'advice' to everyone who advertises on newsgroups.
Thanks again for YOUR opinionTimothy Lee http://www.wightproperty.com
twatlightpropertydotcom
Can anyone explain how Norwich Union can insure a 61 year old for £200K forYou say you have had interest from your postings, if that is so, we
should point out that there are IFAs here who will be able to secure
much more competitive rates from the entire marketplace.
No, your only advising them of ONE choice and misleading them about thefinancefan said:As I
say I am only making people aware of the choices that they have,
Yes they can, they can advise a client to buy any financial product fromand I'd
also like to point out that (I'm sure you'll correct me if I'm wrong) IFA's
cannot offer this type of cover
Sadly, some are like this but, gladly, most are not. When inspected anand also just because someone is an IFA does
not mean they are going to sell the 'best' product for the customer due to
varying commission rates with different companies.
And fee based IFAs will advise them to go to HBOS if that is the bestFurthermore IFA's do not
have access to all financial products on the market. There are a huge number
of companies out there who only sell directly to the public eg, HBOS.
I am not advising anybody to do anything. I am simply providing a means injohn boyle said:No, your only advising them of ONE choice and misleading them about the
others.
Yes, they could advise it however, the customer would still have to purchaseYes they can, they can advise a client to buy any financial product from
anybody.
As does a 'tied' financial adviser and beleive me they will find a way toSadly, some are like this but, gladly, most are not. When inspected an
IFA has to justify his choice to the FSA.,
deal.And fee based IFAs will advise them to go to HBOS if that is the best
As an insurance representative of my specific company, my job does notWhat they CAN do and what you CANT do is to talk and advise the
client about the HBOS product. Thankfully it would be illegal for you to
do so, and I say 'thankfully' because you have little knowledge of other
providers products.
Your said you were "financefan said:I am not advising anybody to do anything. I am simply providing a means in
which to buy this type of cover should they so wish.
Of course.Yes, they could advise it however, the customer would still have to purchase
directly.
Eh? A tied adviser has only to justify the generic product type, whilstAs does a 'tied' financial adviser and beleive me they will find a way to
justify it.
What world do you live in? Clients go to an IFA for advice. Thats whatdeal.
I think it would be highly unlikely that anyone would want to pay an IFA to
tell them who does the 'cheapest' insurance??
But in your earlier posts you have made assertions about other productsAs an insurance representative of my specific company, my job does not
entail knowing about other providers products nor is it my job to provide
'advice' to customers.
Eh? You really havent got the gist of this have you?My job is to provide customers with quotes and advise
them that they will get all their premiums back at the end of the term if
they do not make a claim. If the customer is happy with the details
fine
and find
it is cheaper than what they are paying at the moment,
Eh?
then the customer is
happy and I am happy at having provided them with such an excellent product
in addition, safe in the knowledge that they will be getting back a nice
lump sum at the end of the term that they otherwise would not have got had
they got their insurance elsewhere.
And for yours.................Thanks (again) for your comments
"john boyle" wrote
What world do you live in?
Unfortunately, Angela (financefan) has already stated: "I have had a lot offinancefan writes
"john boyle" wrote
But in your earlier posts you have made assertions
about other products in justification of the product
you are selling that were quite incorrect.
Do you tell your customers the
same rubbish that you quoted here?
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