Why use an independent adviser?
An independent adviser works for you, not for one insurer's sales targets. Here's what that means in practice.
What independence gives you
Independent, not tied
We compare products across the insurers we represent, rather than recommending from a single company's book, so the fit comes first.
One relationship across your whole portfolio
A single adviser for life, medical, motor, and investment products, instead of separate calls to separate insurers.
We negotiate on your behalf
Our standing with insurers helps us negotiate cost-effective rates and scope, rather than you accepting the first quote offered.
Support at claim time
We don't disappear after the sale — we help you prepare and follow up on claims when you need us most.
Advice at no extra cost
In most cases, insurers already build adviser commission into the premium, so working with us typically costs you the same as buying direct.
Independent adviser vs. going direct
With RT Consult
Going direct to one insurer
Compares options across several insurers
Sees only that insurer's own products
One adviser for all your cover and investments
A separate contact for each provider
Assisted through claims and renewals
Self-managed via a call centre