How the Insurance Process Works with QA Insurance: Simple Steps to Smarter Protection
- QA Insurance
- Mar 12
- 4 min read
We often get asked how the insurance process works—sometimes by referrers, but more often by clients themselves. Maybe it’s been a while since they last spoke to an adviser. Maybe they’re unsure what they’re committing to. Maybe they’ve had insurance before but aren’t sure if it’s still right for them.
Whatever the reason, it’s completely normal to have questions. Understanding your insurance journey shouldn’t feel overwhelming, and that’s why we break it down into simple, structured steps.
It’s also worth knowing that advice can be provided in two ways:
Personal Advice – where we take the time to understand your individual needs and provide tailored recommendations.
General Advice – where we provide factual information about available products, without considering your specific situation.
Depending on your needs, we can help in either way.
Step 1: Understanding Your Situation
Often, we’re contacted because something in life or business has changed—a new investment, a growing family, changes in income, or even concerns about rising premiums. But that’s not always the case. Some clients simply want to make sure they have the right cover in place or that they’re getting the best value from their policies.
In our first conversation, we focus on understanding:
Your priorities – What’s most important to protect?
Recent changes – Has your business grown? Has your family situation shifted?
Existing cover – Do you already have policies, and are they still working for you?
At this stage, we’ll also discuss whether you’re looking for personal advice (a full review tailored to your circumstances) or general advice (factual information to help you make a decision).
👉 Why this matters: Insurance isn’t just about what’s changed—it’s about making sure your protection aligns with what matters most to you, now and in the future.
Step 2: A Personalised Review & Needs Analysis (for Personal Advice clients)
If you choose Personal Advice, we conduct a thorough review:
✅ Personal Protection – income, expenses, debts, and dependents.
✅ Business Protection – partnerships, key person risks, ownership structure.
✅ Existing Cover – checking if current policies are still right (or costing too much).
✅ Future Needs – planning for growth, succession, or changing risks.
👉 Why this matters: Whether it’s a new policy or improving existing cover, this step ensures nothing is left to chance.
(For General Advice, we’ll provide product information and you can decide what suits you best.)
Step 3: Tailored Advice & Recommendations (for Personal Advice clients)
If you’re receiving Personal Advice, we provide clear recommendations through a Statement of Advice (SOA), which outlines:
✔ What coverage is recommended and why✔ Costs, benefits, and any potential risks✔ How policies can be structured for maximum protection
👉 Why this matters: Good advice isn’t just about the cover—it’s about getting the structure right too. Whether it’s linking policies to business agreements, ensuring smooth succession planning, or considering tax efficiency, small details make a big difference.
(General Advice clients won’t receive an SOA, but we can still help arrange a policy based on the information provided.)
Step 4: Getting the Right Cover – The Power of Expertise in Underwriting
Insurance isn’t always straightforward. Some people need special consideration—due to medical history, high-risk occupations, or complex business structures.
This is where our expertise in underwriting and strong relationships with insurers set us apart. It’s not just about presenting the right information—it’s about working closely with insurers to negotiate and secure the best possible terms for our clients.
✅ We understand how to structure applications effectively
✅ We liaise directly with insurers to advocate for our clients
✅ We use our experience to navigate complex cases
👉 Why this matters: A well-structured application, backed by expert negotiation and good relationships with insurers, can mean the difference between getting cover at a competitive rate—or struggling to get cover at all.
Step 5: Ongoing Support & Reviews
Life and business never stand still, and neither should insurance. We provide ongoing support to ensure:
Policies remain relevant and cost-effective
Adjustments are made when needed
Claims, when they happen, are handled with expert guidance
👉 Why this matters: The best insurance strategy isn’t just set up—it’s managed over time.
The Small Things That Matter (That Aren’t So Small After All)
It’s easy to think of insurance as just the policy itself. But in reality, the things that matter most go beyond the paperwork.
Business owners: The right advice means not just having cover, but ensuring it’s linked to proper legal agreements and succession plans.
Individuals & families: It’s not just about how much cover you have, but how it’s structured—ownership, tax efficiency, and how it integrates into your broader financial plans.
Underwriting expertise & insurer relationships: Having an experienced team that not only presents the right information but also knows how to work with insurers can make a world of difference. This is where our clients see real value—especially when complex cases require expert handling.
These aren’t "small" things at all. They’re the things that turn an insurance policy into a real, meaningful safety net.
Final Thoughts
If you’ve been thinking about reviewing your insurance—or if you’ve been referred to us but weren’t sure where to start—this is what you can expect. Clear guidance, expert advice, and a process that’s designed to make things simple for you.
Whether you’re looking for personal advice or general advice, we can help you navigate your options.
Want to take the next step? Get in touch for a conversation—no pressure, just clarity.
Your QA insurance Team
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