STEPHEN RODDY
Financial Advisor & Insurance Broker
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FINANCIAL ADVISOR BELFAST

I'm an independent financial advisor based in Belfast Northern Ireland who specialises in insurance.

If you need a Financial Advisor to compare quotes for life insurance, whole of life insurance, critical illness cover, income protection, relevant life insurance or key man protection, I can help. I have access to a comprehensive panel of insurers.  Feel free to contact me if you need some free advice.

 
 

Everyone needs protection. As a financial advisor I'm focussed on ensuring I can offer my clients the

right protection for their finances and lifestyle.

Our insurers protection panel offers comprehensive cover ranging from life and critical illness,

to income protection and family income benefit.

As an independent financial advisor who represents a professional firm in Belfast who are registered under the FCA,

Vantage Health & Life; I specialise in helping people plan to protect their mortgage,

family and income, should their circumstances change.  

Unlike restricted advisers, I do not represent a particular insurance provider.

I provide impartial, unrestricted advice that considers every option on the market.

The benefit to my clients? They have peace of mind knowing that they have exceptional cover from reputable insurers that are Defaqto five star rated, this is essential should they need to make a claim.

 

When to use an insurance broker or financial advisor

If you’re thinking of buying an insurance policy for something you don’t know much about or insuring something fairly unusual, you might want to think about using an insurance broker. We’re experts in the market and – even with run-of-the-mill insurance – we can often find you better cover at a great price.

 

 

Comparison sites are not always the best way to buy insurance

Many people turn to comparison sites to look for the cheapest insurance, but that’s not always the best way.

The policies you’ll be offered are fairly generic so if you want a policy that meets your individual circumstances it might be better to use a broker or financial advisor. 

 

 

Advantages of using an independent financial advisor

“There are more than 2,000 registered insurance brokerages in the UK”

Source: British Insurance Brokers’ Association

Here are a few reasons why going to a broker or an independent advisor for insurance might be the best choice:

  • Getting expert guidance does not cost you more: like comparison sites, we get paid commission by the insurance provider for selling their products so you don’t pay me a fee for shopping around to get you a good deal. Unlike comparison sites I have specialist expertise and can give you guidance on the products that best suit your needs.

  • Know your options: insurers won’t always offer you every type of cover when you go directly to them. Brokers or financial advisors can help point out the types of cover available for the insurers they cover and help you work out what you need.

  • Find the right product for you: a broker or an independent advisor will ask you about your personal circumstances to find you the right policy. I’ll also be able to tell you if you’re already covered by your existing insurance policies so you don’t overlap, and I will often get you a good deal by comparing prices and product features. I can also be more flexible on price than comparison sites.

  • Find a specialist provider: on comparison sites you might not find cover for things – like income protection or critical illness – that need to be tailored to suit your needs. You also won’t find special or bespoke cover on there, so if you want to insure something unique like a high-value antique or a collection, a broker or financial advisor will know where to go.

  • Your claims are taken care of: if you need to make a claim, your broker might speak to loss adjusters and claims departments and do as much as possible for you so you don’t have the hassle and worry.