• Pro Advice Financial Services

    Independent protection advice

  • Tailored to your needs

    Personalised recommendation ensuring the plan is right for you

  • The small print experts

    We have over 30 years’ experience within the financial sector

  • We won’t be beaten

    If you can find a genuine like for like plan

    cheaper elsewhere we will pay you £50 pounds*

  • Life Insurance

    It makes sense to make sure your family don't suffer financially if you die. Level cover helps gives your loved ones a financial saftety net and gives you peace of mind

  • Income Protection

    Your income is spent on a vast array of effects, such as your home, holidays, food, university etc. What would happen if one day you could not go to work?

  • Critical Illness

    Like all insurance the cover you get varies, but some basic private medical insurance may pick up the costs of most in-patients treatments and day-car surgery

  • Keyman Insurance

    Keyman Insurance protects your company against the death or extended ill-health of an integral member of your business

  • Business Protection

    The chance of being constrained by a serious illness and subsequently unable to work happens more often than you might think

  • Health Insurance

    Healthcare Insurance is designed to cover acute illnesses, diseases or injuries that happen after your policy begins, and aim to help you to a full recovery

  • Building and Contents

    Building and content insurance is a combined insurance that will cover or replace any damage that might occur to your house or its contents

Pro Advice Financial Services

Why Proadvice?

Hello and welcome to Proadvice.  Our sole aim is to advise and recommend the best polices for you should the worst happen.

Not knowing what is around the corner brings great joy to many people.  Who doesn’t like a nice surprise?  But what happens when the surprise isn’t a pleasant one?  Have you ever wondered what would happen if you died unexpectedly or became critically ill?

Imagine you have bought that lovely house you have had your heart set on and when taking out the mortgage you decided to take out a critical illness plan

And now the worst has happened……….

Picture the scene; you have shooting pains in your arm and are being rushed to hospital. 

  • You think you may be having a heart attack.
  • The Paramedic in the ambulance tells you you’re having a heart attack,
  • The ER nurse tells you you’re having a heart attack,
  • The Doctor treating you tells you you’re having a heart attack,
  • The Cardiologist tells you you’re having a heart attack. 

You now remember that when you took out the mortgage, you took out critical illness cover too.  While in hospital, you check your paperwork and good news, you are covered for heart attacks.  Obviously, you would now expect your policy to pay out, wouldnt you?

A letter arrives a few days later and the first paragraph from the insurer confirms what the Paramedic, ER nurse, Doctor and Cardiologist has told you, the insurer knows you have had a heart attack.  However, it is not one of the types of heart attacks this insurer covers. 

You have had the wrong kind of heart attack! 

We ensure this does not happen to Proadvice customers. People come to Proadvice to ensure that when they take out a critical illness plan, they are going to be covered.  We have years of experience reading the small print, in fact we consider ourselves experts in the small print!  It is one of the things that make us stand out from the crowd.  We can advise you of the plans most suited to your circumstances and let you know what you are covered for and just as importantly, what you are not, so you have complete peace of mind before you take out the plan.  The protection industry is an industry that wants to pay.  Last year was a big year for critical illness pay outs and it is therefore important to know that your plan has been set up correctly. 

We know there are more interesting and exciting things to be doing than taking out insurance however; we know how important it is to get it right.  To some the insurance and financial industry is not known for its simplicity and can be difficult to understand literature.  Our advisers can help you with your enquiry.

Value of Advice

Did you know…

There are two ways of buying insurance – ‘with advice’ and ‘without advice’.

So here’s the big problem...

Whenever someone buys online from a price comparison website or from their local bank, this is generally done as a non-advised sale.

So basically, if you’ve bought the wrong policy or there are problems with claiming (or worse, it doesn’t pay out) – it could be your fault and you may have no right to claim compensation.

However, if you buy insurance with advice it’s a bit like having a warranty on your insurance policy, giving you complete peace of mind that if anything goes wrong you are protected.

The main banks and building societies used to sell insurance with ‘advice’ which meant they were happy to accept full liability. However because the advice they gave wasn’t appropriate, most customers have managed to claim their money back plus interest  - £1.9billion paid in 2011 (1)

1. http://www.bbc.co.uk/news/business-17792044

Since this has happened, many banks and online insurance services no longer give advice and therefore often accept no liability, leaving clients out in the cold.

So if, like us, you believe in having the right policy, by having excellent advice from someone you trust, and with the peace of mind of having your rights protected – always, always get your insurance ‘with advice’.

Insurance Companies getting a bad reputation for non-advice sales.

If you bought a kit car from Ferrari you are given two choices.  You can take it to a garage to have it put together for you or you can do it yourself. 

Now, who do you think would do a better job? 

Once built, you start driving and 100 meters down the road it falls apart. Who do you blame?

Most people would agree it is the person who put the car together that is to blame, not Ferrari. After all, there was nothing wrong with the Ferrari parts supplied.

Now, with insurance it seems the general perception is that it is the insurance company who are to blame when things go wrong, not the person who put the plan together.  

Choosing a policy without advice would be like putting a kit car together yourself.  If the plan didn’t pay out, the tax man got hold of your payout or there was an exclusion you were not made aware of, the blame is entirely with you.   When this happens, people blame the insurers not themselves.  I am sure you have heard of cases where plans have not paid out due to the broker not setting the plan up correctly or someone doing it online themselves. 

By using an advice-based broker like Proadvice, you know your policy is fully protected and will be the right one for you.  In the unlikely event that it did not do what you expected the plan to do, the broker would take full responsibility and ensure you are protected.  

Speak to an Adviser today

Who are Proadvice?

Here at Proadvice, our aim is to offer a professional service with our team of Protection Specialists and customer support. The Company was established with an aim to offer great customer service, quality advice and affordable insurance.  We offer you quotes with full impartial advice on some of the best products, with plans designed for you. With our price guarantee, we promise we will not be beaten.

The wealth of experience our specialist advisers possess enables them to explain and recommend the right products for you, to avoid any disappointment if the need for you or your family to claim did arise.

We make it our job to understand all of the policies inside out and understand the small print, so you can have complete peace of mind with your policy.  When buying insurance it is essential to find the right insurer based on your health, hobbies, and your lifestyle as this will have a major effect on the final premium you will pay.

It is our job to find you the right insurer with the very best cover for your circumstances and to also find you the most competitive rates in the marketplace today.

Proadvice we will not charge you a fee for the services we provide and can assist you on all elements of your personal protection from Life Insurance, Critical Illness Cover and Income Protection needs

Get a quote today

Price Guarantee

Here at Proadvice, we are so confident we have secured the best rates possible from all the insurers that if you take out a policy with us and then find it cheaper elsewhere and if it is a genuine like for like policy, we will match it and give you £50.

Terms and conditions apply

Recommend a friend

For everybody that you recommend to us, who takes out a policy through us, we will pay you £50 worth of vouchers or in cheque *per household. There is no limit to the number of recommendations you can make, so the more people you recommend the more you will earn. So start earning today.

Please email your recommendations to This email address is being protected from spambots. You need JavaScript enabled to view it.

Financial Planning

Our Trusted Partners

We have a number of partners within all aspects of financial services and if you would require help or advice on any of the following please get in touch. One of our trusted advisers can arrange a time to call you.

        

For the above services we provide advice for Life Insurance, Healthcare Insurance and some General Insurance. The rest of the services we act as introducers only.

Your home may be reposessed if you do not keep up repayments on your mortgage

 

The following videos are created by a third party and neither Pro Advice Financial Services Ltd nor Sesame Ltd are responsible for the accuracy of the content.

More Information

  1. FAQs
  2. Products
  3. Our Insurers
  4. Why Us?
  5. Contact us
  6. Careers

Frequently asked insurance questions and guides

Insurance can be an intimidating subject for many people; it's not surprising that you may have some questions! We have answered the most common ones on our FAQ page, which you can find below.

Frequently asked questions

Products

Many people take out insurance when they go through a life changing event, for example, having children, setting up a business, a new job, getting married or even buying a house. However, what you may not realise is that you could be underinsured in other areas of your life. The graph below is a simple guide to show you what we would normally recommend to our typical clients. Many people may not need or suit all of the recommendations in their category or categories but we hope you find the guide useful to show you some of the options that you may not have considered.

What categories do you fit in?
Please note that for gift inter vivos we act as introducers only

Compare Life Insurance Companies

When it comes to getting the right insurance policy it is important to speak to a Proadvice Provider who can tell you they key points of each plan. We compare 100s of different polices every day and can point out the important details to you. However if you would like to know more about the insurance companies and their history we have put together some interesting information and some key points of the policies they provide. The list below is a sample of providers used.

Choose from the list of great providers below to get started:

aegon ageas aviva axa british friendly
cirencester exeter family friendly friends life holloway friendly legal and general
lv partnership paymentshield pruhealth royal london
pruprotect shepherds friendly unum

Who are Proadvice?

Here at Proadvice our aim is to offer a professional service with our team of protection specialists and customer support. We offer you quotes with full impartial advice on the best products with plans designed to suit you. With our price guarantee we promise we will not be beaten.

The wealth of experience our specialist advisers possess enables them to explain and recommend the right products for you and therefore avoid any disappointment if the need for you or your family to claim did arise.

We make it our job to understand all of the policies inside out and understand the small print, so you can have complete peace of mind with your policy.

When buying insurance it is essential to find the right insurance company based on your health, hobbies, and your lifestyle as this will have a major effect on the final premium you will pay.

It is our job to find you the right insurance company with the very best cover for your circumstances and to also find you the most competitive rates in the marketplace today.

Here at Proadvice we do not charge a fee for the services we provide and can assist you on all elements of your personal protection from Life Insurance, Critical Illness Cover and Income Protection needs.

Why Proadvice?

Our sole aim is to advise and recommend the best polices for you should the worst happen. People come to Proadvice to ensure that when they take out a protection plan, they are going to be adequately covered. We have years of experience reading the small print, in fact we love the small print. It is one of the things that make us stand out from the crowd. We can advise you of the plans most suited to your circumstances and let you know what you are covered for and just as importantly what you are not, so you can have complete peace of mind before you take out the plan. The protection industry is an industry that wants to pay. Last year was a big year for critical illness pay outs and it is therefore important to know that your plan has been set up correctly.

We know there might be more interesting and exciting things to do than taking out insurance however, we know how important it is to get it right. The insurance and financial industry isn't known for simplicity and can have difficult to understand literature.

Speak to one of our advisers today

Life insurance with advice

Taking out the cheap option may seem like the easies thing to do when taking out life insurance, critical illness cover and income protection. There are so many choices to make it can seem like you are in a minefield and unsure which way to turn and people could end up taking a policy not suitable or worse give up on the idea all together.

Most people will speak to an adviser who can guide them and recommended a plan that is tailor made for these circumstances. The other option would be to do it yourself and hope you have the right plan and it is set up correctly. In 2005 the Financial Services Authority (FSA) made buying insurance more easier to understand, if you wanted to sell life insurance you could offer advice or just offer a quote service and offer no advice whatsoever. With no advice all the broker can do is give you the means to set the plan up. If the plan ends up owing inheritance tax, does not pay out because of your hobby or has exclusion you were unaware of the buck stops with you.

When taking a policy with advice all the small print and clauses are highlighted to you and are explained in a jargon freeway. The adviser can also make recommendations and give guidance to you about what sort of plans are most suitable some you may have even been aware of. Best of all you are completely protected through The Financial Conduct Authority, Financial Services Compensation Scheme & Data Protection Act 1988.

Speak to your Proadvice financial consultant about getting advice today 01933 417 300.

Proadvice IDD

Data Protection Statement

General Terms & Conditions

Opening Times

We are open from:

9am - 7pm Monday to Thursday

9am - 6pm on Fridays

9am - 2pm on Saturdays

Call us free on 08000 502 602

Mobile Friendly 01933 417 300

Or if you prefer pick a time for us to call you

Contact Us

To talk to an adviser straight away please call 01933 417 300 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

For any general enquiries or updates on cases, please contact our This email address is being protected from spambots. You need JavaScript enabled to view it.

You can also contact us on our social media pages:

Recommend Us

To recommend a friend please email This email address is being protected from spambots. You need JavaScript enabled to view it. Remember to include your personal details so we know who to send the vouchers to.

If you have just had a baby in the last six months or know someone who has please contact us for your free baby life cover at This email address is being protected from spambots. You need JavaScript enabled to view it.

Challenge Us

If you want to take part in the customers challenge with your existing policy taken out in the last 12 months then please email the details of your plan and contact information to This email address is being protected from spambots. You need JavaScript enabled to view it.

We always want to hear how your experience with Proadvice went. We love to hear when things go well but as important we like to know how we can improve. Any comments would be gratefully recieved. Please email This email address is being protected from spambots. You need JavaScript enabled to view it.

Join Us

Interested in a career with Proadvice Financial Services? Please send your CV to This email address is being protected from spambots. You need JavaScript enabled to view it.

If you want to talk about any business opportunities or potential partnerships please contact This email address is being protected from spambots. You need JavaScript enabled to view it.

Link to us

If you are interested in placing a link on your site to Proadvice Insurance, Barker and Bass or Right Lettings, this can be done by simply copying and pasting the HTML below into the relevant page on your site:

http://www.proadviceinsurance.co.uk/

http://www.barkerandbass.co.uk

http://www.rightlettingscompany.co.uk

Protection Advisor - Rushden - OTE - £50k + Package

Due to expansion we are looking to recruit Protection Advisors to expand our sales team.

We are looking for insurance consultants with both customer service and sales focus with experience of working within a target orientated environment within Financial Services or Insurance.

We will offer excellent, ongoing training (including study towards professional qualifications) and offer fantastic career progression.

You will be required to give sound financial advice to meet their financial protection needs whilst offering unrivalled customer service.

As a Protection Adviser you will:

  • Work closely within a sales team to ensure that any potential clients protection needs are met
  • You will be taking enquires for customers for their insurance needs and then provide bespoke advice
  • Be responsible for and competent in, advising, servicing and building customer relationships

Experience required for the Protection Advisor Role:

  • Experience of working within a financial sales environment with a proven track record
  • Good general knowledge of the financial services industry and competitor activities
  • Strong interpersonal and communication skills
  • Efficient and accurate in following sales processes and completing related administration
  • Professional and credible
  • Highly focused to succeed and exceed expectations
  • Experience of working in a busy customer driven environment
  • The ability to work as part of a team

We are offering the right candidate a competitive starting salary and monthly uncapped commission.

To apply for the role please simply send your CV with a covering letter to This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact

If you wish to discuss this vacancy and all other vacancies that we have in the financial sector, please contact James Barker on 01933 417300. All calls will be treated confidentially.


Mortgage & Protection Consultant - Rushden - OTE - £50k + Package

The ideal candidate will have a proven back ground in sales, be highly motivated, well presented and eager to succeed. Previous experience in mortgages would be ideal, however if you are looking for a change in career with a high profile company that will provide you with the latest mortgage qualifications (Cemap), apply below.

You will provide an effective and efficient mortgage advisory/placement service to customers of the company ensuring the provision of "best advice" in line with company procedures and statutory rules and regulations.

As a Mortgage & Protection Consultant you will:

  • Work closely within a sales team to ensure that any potential clients mortage & protection needs are met
  • You will be taking enquires for customers for their mortgage and insurance needs and then provide bespoke advice
  • You will be based in a local estate agency and will advise over the phone as well as face to face
  • Be responsible for and competent in, advising, servicing and building customer relationships

Your main tasks will involve:

  • Experience of working within a financial sales environment with a proven track record
  • Good general knowledge of the financial services industry, competitor activities and the mortgage market
  • Strong interpersonal and communication skills
  • Efficient and accurate in following sales processes and completing related administration
  • Professional and credible
  • Highly focused to succeed and exceed expectations
  • Experience of working in a busy customer driven environment
  • The ability to work as part of a team

We are offering the right candidate a competitive starting salary and monthly uncapped commission.

To apply for the role please simply send your CV with a covering letter to This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact

If you wish to discuss this vacancy and all other vacancies that we have in the financial sector, please contact James Barker on 01933 417300. All calls will be treated confidentially.

Other types of cover

Life Insurance

Life Insurance

It comes in many forms; its aim is to pay out an agreed amount to your loved ones in the event of your death.

see more

Critical Illness

Critical Illness

Critical Illness Cover turned 30 this year. It has developed in many forms over the years but the aim is still the same.

see more

Income Protection

Income Protection

Income Protection is a name given to several products, accident & sickness cover, permanent health insurance and redundancy plans.

see more

Building & Contents

Building and Contents

B&C is the insurance you take out to protect your home, should someone steal your TV or your roof collapses.

see more

Business Protection

Business Protection

I am sure you are like most people who feel as though you pay too much tax already?

see more

Keyman Insurance

Keyman Insurance

Keyman is a policy which protects your company should you lose a key worker due to illness or death.

see more

 

"We are backed by the financial strength and stability that comes from being part of The Sesame Bankhall Group, the largest distributor of financial advice in the UK"

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