Finding the right insurance adviser for you
Start here: what kind of insurance do you need?
Before choosing an adviser, it helps to know what type of insurance you're looking for. Not all advisers specialise in the same areas.
Insurance Link advisers focus on personal insurance, including:
These types of cover are designed to protect your financial wellbeing – your income, your health and your ability to support yourself and your family.
Some Insurance Link advisers may also provide advice on business-related cover, like key person insurance, business interruption and public & professional liability.
FG Link advisers (fire and general), on the other hand, specialise in asset-based cover, including:
- Home insurance
- Contents insurance
- Car insurance and more.
These policies protect what you own, rather than your income and health.
What does an insurance adviser do?
The job of an insurance adviser is to help you make sense of your options.
That means taking the time to understand your situation, your goals and what matters most to you. From there, they can explain different types of cover in plain language – how they work, what they cost and what trade-offs may be involved.
If you decide to move forward, they'll help structure your cover in a way that fits your life and make sure it keeps up with you over time.
What to look for in an adviser
Choosing the right adviser for you is an important step towards feeling confident in your cover. A few things worth keeping in mind:
- Clarity – They should be able to explain things simply, without jargon.
- Relevance – Advice should reflect your situation, not a one-size-fits-all approach.
- Options – You should be taken through different solutions and approaches.
- Transparency – Costs, limitations and trade-offs should be clearly explained.
- Ongoing support – They should be there to review your cover as your circumstances change.
A good adviser will tick all of these boxes without you having to ask.
Your adviser's communication style matters too
Insurance is personal. So is the way advice is delivered.
Some people like detail and numbers. Others prefer a high-level overview. Neither is better – it’s about what works for you.
What matters most is that you feel comfortable asking questions and confident in the answers you’re getting. If something doesn’t feel clear, it’s okay to ask for more explanation – or to explore another adviser. The goal is to find someone who communicates in a way that suits you.
Insurance that grows with you
Taking out insurance is a great step. But it’s not the end of the journey.
Over time, things change. Your income might increase, you may take on a mortgage, start a family or shift your financial priorities. That’s why having an adviser you can return to matters.
Regular reviews help ensure your cover keeps up with your life.
Like to discuss your needs?
Taking out insurance is a great step. But it’s not the end of the journey.
Over time, things change. Your income might increase, you may take on a mortgage, start a family or shift your financial priorities. That’s why having an adviser you can return to matters.
Regular reviews help ensure your cover keeps up with your life.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current development or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek financial advice. Link Financial Group 2022 Ltd (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice.
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