CASE STUDY

The future looks bright!

Look what FSB IFS did for a member who used the free Financial Health check:

The member had previously been sold 4 protection policies by an insurer's door to door sales rep. He had a Life and Critical Illness policy that only covered 5 conditions and 2 of them only if he survived for 28 days after diagnosis or treatment, costing him £22.75 a month.

FSB IFS was able to replace this policy with a monthly cost of £14.49 (36% cheaper) and covering 27 more conditions. This saved the member £3,000 in premiums over the policy's 31 year term!

He also had two Income Protection policies (one covering accident and one covering sickness). FSB IFS's trained adviser used the whole of the marketplace to search for a better policy (FSB IFS are independent and can do that!)

He set up a Permanent Health Insurance policy, paying better benefits, which also covered claims from day 1 of incapacity. It also worked out over £700 cheaper per year and will also pay benefits until he is able to return to work, however long that takes. His previous policies only provided benefits for a maximum of 2 years. Although future premiums are reviewable and may change as they could have with his previous policies, if the difference between them remains the same until the policy ends on reaching age 65 then he will save £21,700 in premiums!

ONE VERY HAPPY (and financially better off!) MEMBER who now has the CORRECT PROTECTION in place.