If you need insurance, whether its life insurance, income protection, critical illness insurance, or insurance for your property, there are certain things you can do to ensure the process goes smoothly and you get the right policy for your needs with the minimum of hassle.

Here’s my latest top tip for doing just that…

5. When it comes to applying for your insurance policy – be honest. There’s no point in hiding any pre-existing illnesses or conditions to try to keep the premium down or not mentioning a family history of illnesses. The truth always comes out and you might find a policy won’t pay out if you haven’t been honest about your health and that of your family.