1. Why do I need a review?
Life is full of ups and downs and is always changing. It’s therefore vitally important to keep reviewing your life policies to ensure they still do what you want them to do.

Often the amount is too little (sometimes even too much!). It’s also common that the length of the term is too short (or long!) and finally less than 10% of payouts actually go to the right people due to the fact that they haven’t been correctly put into “Trust”. This can be devastating for families.

2. What do you actually review?
We carry out a good understanding of you, your life and your loved ones. We also get a good handle on your monthly budget and what you can afford. This enables us to advise you and recommend the right product or products from the very best companies.

We review insurance in the following areas of your life:

• Family
• Personal (Critical Illness)
• Mortgage
• Income
• Health

3. Do I need a review if I’m an existing customer?
Yes. Everyone needs to review their insurances regularly, certainly every year, to make sure they are doing what you want them do in the event of death or diagnosis of an earlier illness

• the amount of cover is enough
• it runs for the right amount of years
• it covers the right people, including all your children
• it’s in “Trust” so that the right money, goes to the right people, at the right time

• We do the shopping around for you, so you don’t have to, safe in the knowledge you’re getting the best deal
• We’re unusual in so far as we don’t charge commission to our clients.
  This means our prices are the same as if you went straight to the insurance company themselves
• We put all policies into Trust
• We have a dedicated client servicing team who review your plan after 1 week,3 months, 6 months and every year on your anniversary
• Every client gets a free Will worth £130

6. How many times a year should I have a review?
Four times a year ideally but certainly yearly as a minimum

7. Should I go direct to my provider for a review?
No, as sometimes there might be a better or cheaper policy available with another provider so by allowing Cream to regularly review your plan, it allows us to do so whilst looking across a comprehensive panel of providers

8. Can my friends and family have a review even if they are not a Cream client?
We’d be delighted, we want to help as many individuals and families as possible

9. Are financial reviews free?
Yes, 100% free of charge. If you decide to take out a policy, we get paid a commission from the insurance company we recommend and they all pay more or less the same, so we are not biased with our decision.

10. Who carries out my review?
A fully qualified and regulated protection adviser