In simple terms, you won't! On your own you can make an educated guess and, if you are lucky, you may choose the right company, but you'll be hard pressed to select the right type of policy.

With so many options on just the term of years you will need cover for, it makes sense to allow a professional to assist you in your selection.

Let us give you an example of how an IFA can do what you can't. Most Insurance Companies will increase premiums if you are overweight or have a history of high blood pressure.

A good IFA knows the underwriters in the Insurance Companies that may give consideration to such an application.

Each policy can have up to two hundred and sixty different facts for you to consider. Click on the Doctor and have a look at the information you should take into account before selecting your chosen provider.

No promises, but if you don't ask an IFA, you could finish up with the wrong type of cover at the wrong premium.