Your life insurance premium went up. But should you change anything?
Your insurance may have been the right choice when you took it out — but that doesn't necessarily mean it's still the best fit today.
Request My Review
What you'll find out
There isn't one “best” insurance company.
Insurance pricing isn't as simple as one insurer always being cheaper than another. Each provider prices different demographics and risks in its own way.
For example, one insurer may price a 40-year-old male non-smoker working as a builder more competitively than another insurer. Change the age, occupation, smoking status, cover type or other personal factors and the comparison can change again.
Relative pricing also changes over time. As you age and insurers update their pricing and products, a provider that once wasn't competitive may later become a better fit — and vice versa.
That's why there isn't one insurer that's best for everyone. The question is which policy is right for you, your family and your circumstances today.
Your family's changed too.
When you first arranged your insurance, your life may have looked very different.
Your mortgage may have been smaller. Your children may not have arrived yet. Your income, career and financial responsibilities may have changed.
So the better question isn't:
“Can I get this cheaper?”
It's:
“Is this still the right cover for my family?”
Find out in two simple calls.
Discovery Call
We'll spend up to 30 minutes understanding your family, finances and existing cover, and gather the information needed to properly review your options.
Recommendation Call
I'll take you through what I've found and explain my recommendation in plain English. If you decide to make a change, we'll handle the process from there.
Keep it.
Your existing policy is still the right fit. Great — now you know.
Change it.
A more suitable option is available and the benefits justify moving.
Improve it.
We identify gaps or opportunities to structure your cover more effectively.
Sometimes reviewing really pays off.
lower life insurance premium
After reviewing one client's existing life insurance, I was able to reduce their premium by 30% without reducing their sum insured or sacrificing policy benefits.
Every person's circumstances are different and savings are not guaranteed.
clients helped
Three years' experience helping clients understand, review and arrange personal insurance.
The goal isn't to switch your insurance.
It's to make sure you're in the right place.
I'm Hamish Findlay, financial adviser and founder of Findlay Financial. I've spent the past three years helping more than 100 clients understand and arrange their personal insurance.
What people usually want to know.
Will I have to do medical tests again?
Not necessarily. The information required depends on the insurer and your circumstances. In some cases, no further medical examination is required when sufficient information is available upfront.
Is changing really worth the hassle?
Have you considered the cost of staying?
Life insurance is a long-term financial risk tool. Overpaying by even $20 a week can add up to thousands of dollars over the life of your policy.
But price is only half the equation. There can also be a much greater cost if you discover you're underinsured when it comes time to claim.
The purpose of the review is to make sure you're paying an appropriate price for cover that actually meets your family's needs.
I don't have time for a long insurance meeting.
Neither call needs to exceed 30 minutes. Appointments outside normal work hours can also be arranged on request for busy families.
What if my existing insurance is already good?
Perfect. I'll recommend you keep it. The outcome we're looking for isn't switching insurers — it's giving you confidence that you're in the right place.
Ready for a second look at your cover?
Fill in the short form below and I'll get in touch to arrange your insurance review.