{"id":685,"date":"2021-05-04T13:31:55","date_gmt":"2021-05-04T12:31:55","guid":{"rendered":"https:\/\/www.protectline.co.uk\/blog\/?p=685"},"modified":"2023-02-07T09:49:29","modified_gmt":"2023-02-07T09:49:29","slug":"11-reasons-to-use-a-life-insurance-broker-in-2021","status":"publish","type":"post","link":"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/","title":{"rendered":"11 Reasons To Use A Life Insurance Broker In 2021"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Page Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a1be51954e6c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #f47422;color:#f47422\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #f47422;color:#f47422\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a1be51954e6c\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#What_is_a_life_insurance_broker\" >What is a life insurance broker?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#Should_I_use_a_broker_for_life_insurance\" >Should I use a broker for life insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#What_does_a_life_insurance_broker_do\" >What does a life insurance broker do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#1_Save_money\" >1. Save money<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#2_Peace_of_mind\" >2. Peace of mind<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#3_Save_time\" >3. Save time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#4_Jargon-free\" >4. Jargon-free<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#5_We_work_for_you\" >5. We work for you<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#6_Provide_information\" >6. Provide information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#7_Write_your_policy_into_Trust\" >7. Write your policy into Trust<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#8_FCA_registered_broker\" >8. FCA registered broker<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#9_Hassle-free_claims\" >9. Hassle-free claims<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#10_A_holistic_approach\" >10. A holistic approach<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#11_Experience\" >11. Experience<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#Is_it_better_to_use_an_insurance_broker\" >Is it better to use an insurance broker?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#How_do_life_insurance_brokers_make_money\" >How do life insurance brokers make money?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#Why_choose_Protect_Line_as_your_life_insurance_broker\" >Why choose Protect Line as your life insurance broker?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_life_insurance_broker\"><\/span>What is a life insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A life insurance broker compares quotes from a range of life insurance companies for you. Their service makes finding the cheapest and most comprehensive quote easy!<\/p>\n<p>You can use an expert broker to help you find the most affordable family life insurance.<\/p>\n<p>At Protect Line, we don&#8217;t charge a fee for our award-winning service. As a non-advised broker, we are duty bound to provide you with the facts and let you decide.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Should_I_use_a_broker_for_life_insurance\"><\/span>Should I use a broker for life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Historically, people relied on a financial adviser or their bank to provide cover in the event of their death. Nowadays most people are used to setting up car insurance and home insurance themselves. However, life cover is a little more complex and people usually want to ensure it pays out.<\/p>\n<p>You can take out a life insurance policy online, seek financial advice, or use a qualified broker to do all the hard work for you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_does_a_life_insurance_broker_do\"><\/span>What does a life insurance broker do?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can compare quotes for life policies online, so why do you need a broker?<\/p>\n<p>A broker should help find you the best available deal, using their knowledge, experience and tools. Once life insurance cover has been underwritten, the price often goes up. It&#8217;s your brokers job to help you navigate through this process. We make protecting your family easy!<\/p>\n<p>An expert broker assists in every step of the application so can answer any questions you may have.<\/p>\n<p>Below, we&#8217;ve listed 11 reasons why we believe using a life insurance broker can help you find the right life insurance policy for you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Save_money\"><\/span>1. Save money<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-690 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3567810-min-300x300.jpg\" alt=\"a man putting a dollar bill into a piggy bank as he saves money on his life insurance\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3567810-min-300x300.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3567810-min-1024x1024.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3567810-min-150x150.jpg 150w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3567810-min-1536x1536.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3567810-min.jpg 2000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Everyone want a good deal, right?!<\/p>\n<p>So, is insurance cheaper through a broker?<\/p>\n<p>Financially-regulated brokers search the market on your behalf, helping secure the most affordable cover at a competitive price. At Protect Line, we provide fee-free award-winning service and there&#8217;s no obligation to take out a policy after enquiring.<\/p>\n<p>You&#8217;ve heard the old saying that nothing in life is free&#8230; You may be concerned when we say we offer a &#8220;fee-free service&#8221; &#8211; insurance companies will pay a commission us as your broker if you choose to take out cover.<\/p>\n<p>Insurers often offer free gifts to entice you so they do not have to pay a broker. However, if you go direct, you cannot compare policies and may end up paying too much.<\/p>\n<p>Always compare quotes as the <a href=\"https:\/\/www.protectline.co.uk\/help\/faqs\/how-much-does-life-insurance-cost\/\">cost of life insurance<\/a> premiums can vary significantly for the same level of cover. A good broker should be able to help you figure out if <a href=\"https:\/\/www.protectline.co.uk\/blog\/is-life-insurance-worth-buying-compare-life-insurance-quotes\/\">life insurance is worth buying<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Peace_of_mind\"><\/span>2. Peace of mind<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-691 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3964082-min-300x300.jpg\" alt=\"an umbrella illustrates a family being protect by their life insurance broker from financial distress. The family are all wearing face coverings\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3964082-min-300x300.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3964082-min-1024x1024.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3964082-min-150x150.jpg 150w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3964082-min-1536x1536.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/3964082-min.jpg 2000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Life insurance is there to protect your loved ones and often their home. You&#8217;re going to want complete peace of mind that you&#8217;ve set up your policy correctly.<\/p>\n<p>Your broker will share the liability of your application with you. This means you have an added layer of protection if your broker misleads you or cannot help you set up your cover correctly.<\/p>\n<p>An expert broker ensures all your questions are answered so that you feel 100% confident in your cover.<\/p>\n<p>We cover hundreds of families each day. We know the common pitfalls and we ask you the appropriate questions to ensure we&#8217;re quoting you for the right product. It&#8217;s also your broker&#8217;s responsibility to ensure that your cover is valid. (we&#8217;ll help you understand the difference between <a href=\"https:\/\/www.protectline.co.uk\/blog\/mortgage-life-insurance\/\">mortgage life insurance<\/a>, level term, decreasing, whole of life etc.)<\/p>\n<p>This service provides peace of mind that your\u00a0family is fully protected if you&#8217;re no longer around to take care of them financially.<\/p>\n<p>Don&#8217;t forget that by using <a href=\"https:\/\/www.fca.org.uk\/\">FCA-authorised businesses<\/a>, any future complaint has to be dealt with abiding by the regulations those companies have agreed to. Any complaint with an unsatisfactory outcome can be escalated to the <a href=\"https:\/\/www.financial-ombudsman.org.uk\/\">Financial Ombudsman Service<\/a>. We hope you never have to do this, but it&#8217;s added peace of mind should you need it.<\/p>\n<p><a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/?utm_source=PLBLOG&amp;utm_medium=undefined&amp;utm_campaign=PLBlogreasonsbroker&amp;utm_term=undefined&amp;utm_content=undefined&amp;amount=undefined&amp;type=undefined\" target=\"_blank\" rel=\"noopener\">Get your peace of mind today<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Save_time\"><\/span>3. Save time<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-698 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/smiling-casual-young-woman-teenager-holding-clock-and-showing-thumb-up-min-300x200.jpg\" alt=\"blonde haired woman holding a clock with her thumb up as she's just saved time setting up her life insurance by using a broker\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/smiling-casual-young-woman-teenager-holding-clock-and-showing-thumb-up-min-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/smiling-casual-young-woman-teenager-holding-clock-and-showing-thumb-up-min-1024x683.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/smiling-casual-young-woman-teenager-holding-clock-and-showing-thumb-up-min-1536x1024.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/smiling-casual-young-woman-teenager-holding-clock-and-showing-thumb-up-min-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Your time is precious! Most of our customers are parents or generally busy family people who have good intentions. You&#8217;re so busy looking after everyone now, often there&#8217;s not time to tackle scary, boring or complicated tasks.<\/p>\n<p>When did you last have time to sit down and do something for yourself? Let alone take the time needed to research ways to protect your family&#8217;s income?<\/p>\n<p>Tackling this topic on your own can be a scary and time-consuming prospect. But, it need not be with the help of our expert team.<\/p>\n<p>We&#8217;ll make your application simple, pain-free and quick wherever we can.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Jargon-free\"><\/span>4. Jargon-free<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-696 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/jargon-word-from-wooden-blocks-with-letters-min-300x194.jpg\" alt=\"Wooden blocks on a table spelling out the word &quot;jargon&quot;\" width=\"300\" height=\"194\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/jargon-word-from-wooden-blocks-with-letters-min-300x194.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/jargon-word-from-wooden-blocks-with-letters-min-1024x663.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/jargon-word-from-wooden-blocks-with-letters-min-1536x994.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/jargon-word-from-wooden-blocks-with-letters-min-2048x1325.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><b>Do you know the difference between <a href=\"https:\/\/www.protectline.co.uk\/life-insurance\/decreasing-term\/\">level term vs decreasing term<\/a>? What about life assurance vs life insurance? Does your policy have a <a href=\"https:\/\/www.protectline.co.uk\/blog\/guaranteed-insurability-option-secret-to-increasing-life-insurance-most-people-forget\/\">guaranteed insurability option<\/a>?<\/b><\/p>\n<p>Life insurance is full of jargon, just like most financial services products. As a human broker, we see our job as helping you navigate all the noise and explaining your options in plain English.<\/p>\n<p>At Protect Line, we&#8217;re classed as a non-advised brokerage. This means we don&#8217;t provide advice or advise you on which specific policy you should take. We listen, give you the facts and then let you decide on the best option.<\/p>\n<p>Unlike seeking independent advice, we will not recommend you take any pathway. Our role is to help empower you to make the decision.<\/p>\n<p>Our process works like this:<\/p>\n<ol>\n<li><strong>We&#8217;ll ask you a few fact-finding questions to establish what you would like to cover<\/strong><\/li>\n<li><strong>We explain all the relevant options available to you<\/strong><\/li>\n<li><strong>We&#8217;ll provide you with as many quotes as you desire and answer all your questions<\/strong><\/li>\n<li><strong>You can then decide if the cover is right for you (or talk it through with a friend, partner or anyone you wish before making your decision)<\/strong><\/li>\n<li><strong>If you decide you are happy we will then walk you through the application process with your chosen insurer. We&#8217;ll fill out all the life insurance forms so you don&#8217;t have to.<\/strong><\/li>\n<\/ol>\n<p>You can also take advantage of our experienced team to help explain any insurance jargon you don&#8217;t understand.<\/p>\n<p><a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/?utm_source=PLBLOG&amp;utm_medium=undefined&amp;utm_campaign=PLBlogreasonsbroker&amp;utm_term=undefined&amp;utm_content=undefined&amp;amount=undefined&amp;type=undefined\" target=\"_blank\" rel=\"noopener\">Compare Quotes and Save Money Today<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_We_work_for_you\"><\/span>5. We work for you<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-697 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/love-concept-represented-by-hands-extended-each-other-min-300x200.jpg\" alt=\"one hand moving towards another to illustrate support \" width=\"300\" height=\"200\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/love-concept-represented-by-hands-extended-each-other-min-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/love-concept-represented-by-hands-extended-each-other-min-1024x683.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/love-concept-represented-by-hands-extended-each-other-min-1536x1025.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/love-concept-represented-by-hands-extended-each-other-min-2048x1367.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Our job is to work for you as our customer. That means we&#8217;re on your side and here to help you, not line an insurer&#8217;s pockets. You may wonder how much commission insurance brokers get paid? It depends on the policy and the insurer. Any commissions paid by the provider are always included in your documentation to ensure full transparency.<\/p>\n<p>At Protect Line, we only make money by earning a commission if you choose to take your cover with us. Importantly, it&#8217;s in our interest to ensure you are happy with your cover for the long term. The important part to remember is that we never charge a fee for our service. (Some brokers and people who offer\u00a0independent advice\u00a0do charge).<\/p>\n<p style=\"font-size: medium;\">We believe a good life insurance broker should represent your best interests and be focused on your unique needs. Bear this in mind whilst speaking with your broker; they&#8217;re providing a service for you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Provide_information\"><\/span>6. Provide information<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-695 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/charts-graphs-with-magnifying-glass-pencil-calculator-clock-reflection-light-flare-concept-image-data-gathering-statistical-working-min-300x200.jpg\" alt=\"a magnifying glass looking at glasses with information and reports underneath them\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/charts-graphs-with-magnifying-glass-pencil-calculator-clock-reflection-light-flare-concept-image-data-gathering-statistical-working-min-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/charts-graphs-with-magnifying-glass-pencil-calculator-clock-reflection-light-flare-concept-image-data-gathering-statistical-working-min-1024x683.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/charts-graphs-with-magnifying-glass-pencil-calculator-clock-reflection-light-flare-concept-image-data-gathering-statistical-working-min-1536x1024.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/charts-graphs-with-magnifying-glass-pencil-calculator-clock-reflection-light-flare-concept-image-data-gathering-statistical-working-min-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>We pride ourselves on being able to explain as much or as little as you need. We provide clear and succinct information to help you make decisions. Our job is to explain the process of taking out a policy, paying premiums and even how to make a claim. As a specialist in this subject, we have the knowledge required to support you.<\/p>\n<p>Unless you&#8217;re a doctor or have worked in this industry, it&#8217;s unlikely you&#8217;ll be familiar with all complexities of this product. Protect Line are here to offer you as much support as you need. Often, this is a once-in-a-lifetime decision, so you want to get it right.<\/p>\n\n    <div class=\"c-inline-cta c-inline-cta--rainbow\">\n        <div class=\"c-inline-cta__inner\">\n            <div class=\"c-inline-cta__copy\">\n                <h4 class=\"c-inline-cta__title\">Get a free life insurance quote today<\/h4>\n                <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/\" class=\"is-journey-button c-button c-inline-cta__button\">Get a free quote<\/a>\n            <\/div>\n            <img src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/themes\/protectlinerebrand\/img\/family-blue-circle.png\" alt=\"Family illustration\">\n        <\/div>\n    <\/div>\n<h2><span class=\"ez-toc-section\" id=\"7_Write_your_policy_into_Trust\"><\/span>7. Write your policy into Trust<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-694 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/businessman-hand-holding-wooden-cube-block-with-trust-business-word-table-background-min-300x200.jpg\" alt=\"5 wooden blocks spell out the word &quot;trust&quot;. A finger and thumb are shown to be placing the final letter in place. \" width=\"300\" height=\"200\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/businessman-hand-holding-wooden-cube-block-with-trust-business-word-table-background-min-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/businessman-hand-holding-wooden-cube-block-with-trust-business-word-table-background-min-1024x683.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/businessman-hand-holding-wooden-cube-block-with-trust-business-word-table-background-min-1536x1024.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/businessman-hand-holding-wooden-cube-block-with-trust-business-word-table-background-min-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Did you know that by writing your policy in trust, you can avoid or minimise 40% inheritance tax? You can also potentially avoid probate for a faster life insurance payout. The last thing you want is your family having to pay the mortgage or rent without your regular income coming in.<\/p>\n<p>A trust in it&#8217;s simplest form helps you specify who you want the money paid out to. We&#8217;ll explain all the options and help you ensure your policy does whatever you intended it to do.<\/p>\n<p>Trust planning is not regulated by the Financial Conduct Authority.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"8_FCA_registered_broker\"><\/span>8. FCA registered broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-701 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/safe-and-secure-fca-300x300.jpg\" alt=\"Illustration of a padlock on a shield with a man working on a laptop. The image illustrates the security of using an FCA regulated broker\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/safe-and-secure-fca-300x300.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/safe-and-secure-fca-1024x1024.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/safe-and-secure-fca-150x150.jpg 150w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/safe-and-secure-fca-1536x1536.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/safe-and-secure-fca.jpg 1800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Being a financial company, a credible broker has to be regulated by the Financial Conduct Authority (FCA). This means that if the broker or your insurer cease trading, you&#8217;ll be covered by the Financial Services Compensation Scheme (FSCS). This helps protect you from losing out financially.<\/p>\n<p>We&#8217;re proud to be registered with TenetLime Ltd who are authorised and regulated by the FCA.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"9_Hassle-free_claims\"><\/span>9. Hassle-free claims<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-689 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/43279-min-300x224.jpg\" alt=\"illustration of a family feeling secure \" width=\"300\" height=\"224\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/43279-min-300x224.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/43279-min-1024x766.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/43279-min-1536x1149.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/43279-min-2048x1532.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>When your loved ones need to make a life insurance claim a broker can help. At a time when your loved ones are suffering emotionally, having the support of Protect Line to help them through the claims process is one less thing to worry about.<\/p>\n<p>Many insurers also offer additional free services like grief counselling or fast payments to help with funerals. Our teams can help ensure your family know what services they can access.<\/p>\n<p><a href=\"http:\/\/Get a hassle free quote today.\" target=\"_blank\" rel=\"noopener\">Get your peace of mind today<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"10_A_holistic_approach\"><\/span>10. A holistic approach<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-692 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/4395133-min-300x300.jpg\" alt=\"Hands displaying a holistic approach\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/4395133-min-300x300.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/4395133-min-1024x1024.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/4395133-min-150x150.jpg 150w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/4395133-min-1536x1536.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/4395133-min.jpg 2000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Our insurance agents are trained to help evaluate all of your needs.<\/p>\n<p>For instance, have you considered what would happen if the primary childcare provider in your home was to pass away? Would the main breadwinner still be able to work as much? Who would look after the children and at what cost? We ask the tough questions so you genuinely only have to think about this once.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"11_Experience\"><\/span>11. Experience<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-688 size-medium\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/130-min-300x169.jpg\" alt=\"graphic displaying the skills of a life insurance broker\" width=\"300\" height=\"169\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/130-min-300x169.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/130-min-1024x575.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/130-min-1536x863.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/130-min-2048x1151.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>In the last 11 years, Protect Line has covered over 200,000 families. We&#8217;re proud to be helping secure peace of mind for hundreds of families each day.<\/p>\n<p>Life insurance and critical illness is all we do so we are the experts in these areas.<\/p>\n<p><a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/?utm_source=PLBLOG&amp;utm_medium=undefined&amp;utm_campaign=PLBlogreasonsbroker&amp;utm_term=undefined&amp;utm_content=undefined&amp;amount=undefined&amp;type=undefined\" target=\"_blank\" rel=\"noopener\">Take 1 minute to arrange a callback today<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_it_better_to_use_an_insurance_broker\"><\/span>Is it better to use an insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Buying life insurance is very different from other types of insurance, such as car, pet or home&#8230; It&#8217;s about you, your health, family, lifestyle and even travel plans. You&#8217;ll probably only do this once and we know you&#8217;re going to want to get it right.<\/p>\n<p>In 2021 you can use an online automated comparison site, pay for some face-to-face advice, go direct to an insurance provider or you can choose to speak to a specialist who does this day-in and day-out.<\/p>\n<p>Hopefully, after reading this article, you&#8217;ll now have a good idea what we&#8217;re all about. We&#8217;re passionate about protection and we&#8217;d love to <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/?utm_source=PLBLOG&amp;utm_medium=undefined&amp;utm_campaign=PLBlogreasonsbroker&amp;utm_term=undefined&amp;utm_content=undefined&amp;amount=undefined&amp;type=undefined\" target=\"_blank\" rel=\"noopener\">help get your family protected.<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_life_insurance_brokers_make_money\"><\/span>How do life insurance brokers make money?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>We only get paid if you&#8217;re happy with your cover. Our service to you is totally fee-free. We get paid a commission by the insurance company you choose if you decide to go ahead with protection.<\/p>\n<p>It&#8217;s also within a broker&#8217;s interest to help you stay insured throughout the duration of your policy. We have a dedicated customer care team who are at your disposal through the duration of the policy. If you ever find yourself in financial difficulty, just pick up the phone to our friendly team. They&#8217;re there to help.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_choose_Protect_Line_as_your_life_insurance_broker\"><\/span>Why choose Protect Line as your life insurance broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Our quote service is fee-free<\/li>\n<li>We believe we offer the most personable service in the UK<\/li>\n<li>One of the UK&#8217;s largest life insurance brokers<\/li>\n<li><a href=\"https:\/\/protectline.co.uk\/about-us\/\">Award-winning service<\/a><\/li>\n<li>We&#8217;re experts and specialists in what we do<\/li>\n<li>25,000+ customers rate us as &#8220;excellent&#8221; on Trustpilot (independent review site)<\/li>\n<li>We have protected over 200,000 UK families (and we&#8217;re not finished yet)<\/li>\n<\/ul>\n\n    <div class=\"c-inline-cta c-inline-cta--rainbow\">\n        <div class=\"c-inline-cta__inner\">\n            <div class=\"c-inline-cta__copy\">\n                <h4 class=\"c-inline-cta__title\">Get a free life insurance quote today<\/h4>\n                <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/\" class=\"is-journey-button c-button c-inline-cta__button\">Get a free quote<\/a>\n            <\/div>\n            <img src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/themes\/protectlinerebrand\/img\/family-blue-circle.png\" alt=\"Family illustration\">\n        <\/div>\n    <\/div>\n<p>Protection plans with no investment element will have no cash-in value at any time. If premiums are not maintained, then cover will lapse.<\/p>\n<p><script src=\"https:\/\/fast.wistia.com\/embed\/medias\/yxn9wnzhuf.jsonp\" async><\/script><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding: 56.25% 0 0 0; position: relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height: 100%; left: 0; position: absolute; top: 0; width: 100%;\">\n<div class=\"wistia_embed wistia_async_yxn9wnzhuf videoFoam=true\" style=\"height: 100%; position: relative; width: 100%;\">\n<div class=\"wistia_swatch\" style=\"height: 100%; left: 0; opacity: 0; overflow: hidden; position: absolute; top: 0; transition: opacity 200ms; width: 100%;\"><img style=\"filter: blur(5px); height: 100%; object-fit: contain; width: 100%;\" src=\"https:\/\/fast.wistia.com\/embed\/medias\/yxn9wnzhuf\/swatch\" alt=\"\" aria-hidden=\"true\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a life insurance broker? A life insurance broker compares quotes from a range of life insurance companies for you. Their service makes finding the cheapest and most comprehensive quote easy! You can use an expert broker to help you find the most affordable family life insurance. At Protect Line, we don&#8217;t charge a [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":699,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[30,18,1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.4 (Yoast SEO v19.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>11 Reasons To Use A Life Insurance Broker In 2021 In 2021<\/title>\n<meta name=\"description\" content=\"Why use a life insurance broker? ? A leading Life Insurance Broker explains 11 reasons why you should consider it before you take out cover for your family.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"11 Reasons To Use A Life Insurance Broker In 2021\" \/>\n<meta property=\"og:description\" content=\"Why use a life insurance broker? ? A leading Life Insurance Broker explains 11 reasons why you should consider it before you take out cover for your family.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/\" \/>\n<meta property=\"og:site_name\" content=\"Protect Line Life Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ProtectLine\/pages_feed\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-04T12:31:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-07T09:49:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/03\/happy-young-couple-broker-manager-handshaking-after-signing-contract-min-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chris Reed\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ProtectLineIns\" \/>\n<meta name=\"twitter:site\" content=\"@ProtectLineIns\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Reed\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/\"},\"author\":{\"name\":\"Chris Reed\",\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/#\/schema\/person\/66b1d24ad5fb37ac710c4e8723c1867d\"},\"headline\":\"11 Reasons To Use A Life Insurance Broker In 2021\",\"datePublished\":\"2021-05-04T12:31:55+00:00\",\"dateModified\":\"2023-02-07T09:49:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/\"},\"wordCount\":1966,\"publisher\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/#organization\"},\"articleSection\":[\"Financial Jargon-Busting\",\"Life Insurance\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/\",\"url\":\"https:\/\/www.protectline.co.uk\/blog\/11-reasons-to-use-a-life-insurance-broker-in-2021\/\",\"name\":\"11 Reasons To Use A Life Insurance Broker In 2021 In 2021\",\"isPartOf\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/#website\"},\"datePublished\":\"2021-05-04T12:31:55+00:00\",\"dateModified\":\"2023-02-07T09:49:29+00:00\",\"description\":\"Why use a life insurance broker? ? 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