No! Providing your policy has been set up on a guaranteed basis, your price will never increase! You do have to be careful though as not all policies are set up like this. That’s why people like to use Consulta Life as we can ensure you have the right one for you! It’s also one of the many reasons it’s usually better to get this out the way when you’re still young as that's when prices are at there best.

YES! Most policies are set up for long periods of time meaning it's very likely your circumstances will change as time goes on. For this reason we will regularly review your policy and make sure it still ticks all the boxes.

You can! There are many sites online that allow you to buy insurance yourself. What you can't get online however is the advice! There are so many options and providers out there and when you're dealing with something as important as you and your family’s protection do you really want to take the risk of getting it wrong? Also many online sites don't have access to the whole market meaning you won't get all the options.

A Will is a legal document that specifies how a person's estate is to be distributed following their death. It can also be used to name guardians for children, state age limits as to when your children can access their inheritance and also state any funeral wishes. A Will can ensure a person's wishes are followed rather than leaving the decision to someone else.

Writing life insurance in trust is one of the best ways to protect your family’s future in the event of your death. A Trust is a legal document that ensures money from a policy claim is kept separate from an estate. It mitigates inheritance tax and speeds up a claim. Not many people have their policies in trust as the process can seem a little daunting. We do it all for you though as we know how important it is! 

Good question... One we could probably go on for a while about too. In a nutshell though, here's  a  couple reasons...

• Our loyalty is to you. We work on behalf of our customers. Not the insurance company or anyone else
• We don’t charge any fees' for our advice
• We can advise and point out areas of protection you maybe haven't considered
• We do the research, give you the advice and ultimately the decision is yours!