The real value of a good adviser
“Without our adviser we would have found it hard to see where products overlap. We went through everything several times and we’re very happy with the outcome. ”
David, Asteron Life customer
Advisers help you zero in on what’s really important to you and your loved ones or your business. They can help you identify situations and issues that you may not have considered.
Advisers are regulated when it comes to providing insurance advice. Advisers who sell our products aren’t Asteron Life employees. They generally sell a range of different insurers’ products — so their advice should be impartial.
Ensure they're registered
Registered or Authorised financial Advisers can give you advice on a range of products from different insurers. Asteron Life only deals with financial advisers because we believe all our customers should have access to sound, impartial advice about our products.
The first meeting
Your first meeting with an adviser will normally take a bit of time. They'll need to ask you a number of questions about your life so they can provide the best possible advice.
They’ll also want to understand what you’d like to do if something happened to you – such as sickness, disability or death. It sounds gloomy – but it’s not really. Life insurance gives you confidence knowing there are plans in place if needed.
Be as prepared as you can for your first meeting, it helps to gather information about your income, assets and debts beforehand. You can also use our LifeSnap tool to get a better idea of the types of things you'll need to consider.
Things an adviser will cover
At the start of the meeting your adviser must show you their Disclosure Statement. If they don't, you can ask for it, it's free of charge.
Think it over
Take the time to reflect on your meeting. Did they understand your personal situation and listen to your needs? Were they knowledgeable and explain things in a way you could understand?
"We weren't really sure about what we were going to get covered, but Nigel, our adviser, talked us through everything."
Simon Evans, Asteron Life customer