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What we do It's a little known fact that it is not cheaper to go directly to a product provider for your investment or protection product. Most charge exactly the same expenses for direct business as they do for the business that comes in through advisers, banks and other business introducers.
Most insurers or fund houses expect to pay a commission to authorised intermediaries when placing new business, and the costs of this are built into the product accordingly. If you go direct, you actually save these firms money and receive no benefit!
However, by using our execution-only service we can rebate some of the commissions that are payable to us, either to reduce the ongoing expenses on your chosen plan or to provide increased allocation rates at outset. We can also save you the leg work by supplying you with the correct application forms, process these for you, and then deal with the product provider on your behalf.
In addition, as we place high levels of business with many insurance companies we are often able to negotiate special terms, or discounts, on top of the commission deals normally available.
This way, you get the product that you want at a discount and save time and effort in the process.
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