Adviser financial Life insurance

Posted by on Oct 17, 2011 in INSURANCE, LIFE INSURANCE | 0 comments

The group of products known as general insurance, includes home, car, travel and health insurance products. These are the essential ‘every day’ insurance products that provide us with peace of mind in the event of the unexpected.

Adviser Financial can help you reduce the cost of this vital part of your financial planning, We are able to source insurance quotes for the following:

    • Home
    • Motor
    • Travel
    • Income & unemployment
    • Commercial
    • Marine
    • Pet
    • Professional Indemnity

Adviser Financial usually offers accident, sickness and unemployment insurance from the whole of the UK market.

Adviser Financial usually offers home insurance from the whole of the UK market.

A financial adviser, is a professional who renders financial services to individuals, businesses and governments. This can involve investment advice, which may include pension planning, and/or advice on life insurance and other insurances such as income protection insurance, critical illness insurance etc., and/or advice on mortgages.[1]

Ideally, the financial advisor helps the client maintain the desired balance of investment income, capital gains, and acceptable level of risk by using proper asset allocation. Financial advisors use stock, bonds, mutual funds, real estate investment trusts (REITs), options, futures, notes, and insurance products to meet the needs of their clients. Many financial advisers receive a commission payment for the various financial products that they broker, although “fee-based” planning is becoming increasingly popular in the financial services industry.

A further distinction should be made between “fee-based” and “fee-only” advisers. Fee-based advisers often charge asset based fees but may also collect commissions. Fee-only advisers do not collect commissions or referral fees paid by other product or service providers.[citation needed]

Some investment advisors only charge a fee based on the assets managed for the client. Typically they charge about 1.0 to 1.5% per year to make the investment decisions for the client. They do not collect