Most comparisons of insurance policy advantages and disadvantages will focus on monetary matters. Premiums, sums insured and so on. Definitions will be relevant too, particularly those concerning the scope of cover, and exclusions. Waiting periods are relevant too.

Often advisers will recommend one policy over another, even if a straight monetary analysis does not support the recommended policy.

The reason will be better expected service.

Better expected service can be a reason for recommending one policy over another, and if it is your SOA must clearly explain why you are recommending the more expensive policy and why it is nevertheless in the client’s best interests and appropriate to your client to do this.