Call a broker is the best advice i can give you when taking out any kind of Life or home insurance.
If you go direct to the insurance company you will be quoted their direct rates,on other hand the broker gets discounts which you should make sure to avail of.
Why pay more for your policy by going direct to the insurance provider?
Also on Home insurance it’s important to get your broker to have a look around every year.
Companies will offer introductory first year discounts so by changing every year you can avail of this.
Life insurance is not the same that you should change annually,but i like to review the policy every year and sometimes add additional benefits or if there is a company offering better prices then we can let people know.
For any quotes or queries you have please mail me at firstname.lastname@example.org or call me on 01 6339245