1. Is it cheaper to go to the insurance company direct?

Insurers have to pay for administration by their own staff, and many direct sellers incur heavy advertising costs, so you wont necessarily find it cheaper to go direct to the insurer. Brokers are often able to get more competitive prices for insurance because we handle much of the administration for the insurer, and because we place a volume of business which earns us cheaper prices, which we pass on to you.

2. How are insurance brokers paid?

A commission is the most common form of payment by the insurance company to the broker who places your business. This commission is paid for the work the broker carried out, including documentation etc.

3. Do I get a discount if I put all my business with you?
Through Adams Trimmer Insurance you can insure your house, contents and cars entitling you to additional discounts for having all your business with us. If you are over 50 you are also entitled to an over 50's discount as a lower risk customer.

4. How much life insurance should I have?

Different people require different amounts of life insurance cover, dependent on their levels of personal and business debt, and their family situation. Our advisers have the tools to analyse your personal situation to provide the correct amount of cover for your needs.

5. Do I need a medical?

Not generally. You will be required to complete a series of health and lifestyle questions. This questionnaire generally provides enough information. If further medical information is required the underwriter may write to your doctor or request a medical.

6. Does life insurance pay out on suicide?

Not for suicide within the first thirteen months of taking out a policy. However for suicide, after thirteen months from the risk commencement date the policy will pay out in full.

7. Do you insure smokers?

Yes, smokers are insured as normal under whole of life insurance or endowment insurance. Under term insurance a smoker will pay a higher premium than a non smoker.