Why Personal Advice Matters When It Comes to Insurance

These days, anyone can jump online and buy personal insurance in just a few clicks – quick, cheap, and easy. But here’s the thing: just because it’s easy doesn’t mean it’s right for you.

Online “DIY” insurance can seem convenient, but without proper advice, you might be buying cover that doesn’t actually protect you when you need it most.

When you apply for insurance on your own, you’re answering medical and financial questions without guidance. One small mistake, even if it’s unintentional, could mean your claim is declined later.

We see it far too often:

• People accidentally underinsure themselves, leaving family members exposed.
• Policy details don’t match what clients think they’re covered for.
• Exclusions or definitions in the fine print go unnoticed until it’s too late.

Insurance isn’t just about having a policy in place – it’s about having the right policy, for the right reasons.

Why Personal Advice Makes All the Difference

That’s where talking to a qualified financial adviser comes in.

“Our job isn’t to sell you a policy,” says Jo Muliaina, qualified financial adviser at The Mortgage Hub. “It’s to make sure the cover you have actually protects you for what you think it does – and what you want it to.”

At The Mortgage Hub, we:

• Help you choose the right type of cover – from life and trauma to income protection and health insurance.
• Make sure your cover amounts reflect your lifestyle, income, and family goals.
• Regularly review your policies as life changes because what you needed five years ago might not fit today.

Our advice is completely free and independent, meaning we look across multiple providers to find what suits you best – not what pays the biggest commission.

The Value of Getting It Right

Getting proper advice gives you peace of mind that your loved ones will be looked after if the unexpected happens. It also means:

• You’ll understand exactly what your policy covers and what it doesn’t.
• You’ll avoid surprises at claim time.
• You’ll have someone to support you through the claims process – not a call centre.

Insurance isn’t just paperwork. It’s about protecting your income, your home, and your family’s future.

Let’s Talk – It Costs You Nothing

Our advice is free, there’s no obligation, and it could save you a lot of stress down the line.

Even if you already have a policy, we’ll happily review it and explain what it really covers – so you can be confident you’re protected for the right things.

Send us a message today and find out whether your insurance still fits your life.

Watch this video by Jo Muliaina to learn more about why personal advice matters and how to make sure your insurance actually does what you expect it to.