First Cornerstone Insurance Brokers Limited

18/12/2022

03/07/2018

HOW DO I CHOOSE AN INSURANCE BROKER?
Choosing an insurance broker means that you have a professional on your side when choosing the best policy for yourself and your family or organisations.
A broker of First Choice ...is the reliable checkpoint for these envisaged services. We offer professional and unbiased advice, ethical conducts, and full disclosure of all the information you need to make an informed decision.
First Cornerstone Insurance Brokers Limited is also experienced and skilled in dealing with the claims process from many different insurance companies – giving us a unique perspective. We can talk you through each stage while giving you personalized advice and excellent customer service.
FCSIB will help protect your privacy and advocate to the insurance companies on your behalf. We ‘re committed to lifelong learning, ensuring that they are informed on the latest changes and adjustments to insurance policies and legislation to give you the best options available when you purchase your insurance policy.
In a briefest compass, we shall act as your personal advisor when you appoint us on your insurance matters. Then work for you, not the insurance company, to make sure your family; your possessions and your business are properly covered. If you have the misfortune of a loss giving rise to a claim, the broker of first choice... will guide you through the claims process, helping to ensure a swift and fair settlement in record time by your insurance company, to get you back to where you were before disaster struck and possibly avoid retardation in your life or business.
It’s easy to find our competitive insurance rates when you place a request via our online web for all your classes of insurable interest. Kindly visit our website via www.fcsib.com . Ours is Innovations driven by service!

First cornerstone Insurance Brokers Limited is a multi-line insurance broker offering tremendous advantages to groups and associations, business clients in all industry sectors, individual life and health, corporate employee groups and more.

14/12/2017

@ First Cornerstone we campaign the need for all to discover the enormous need for whole Life Insurance

If you've been considering a whole life (permanent/cash value) insurance policy, you understand that unlike term life insurance (which provides coverage for a specific time period), a whole life policy is permanent and designed to provide coverage for your entire lifetime. However, what you may not know is that there are many financial benefits contained in a well-designed whole life insurance policy that stretch beyond the death benefit protection it provides.
When selecting life insurance, you should consider all your available options.
To be helpful, we've put together a short list highlighting just a few of the financial features associated with a quality whole life policy.

1. Whole life insurance protection.
The cash value that your whole life policy accumulates isn't subject to stock market volatility.

2. Cash Value growth.
Regardless of how stock markets perform, your cash value grows at a fixed rate. Over time, your policy builds cash value that is not subject to stock market declines.

3. Additional income.
A whole life policy can be exchanged without tax penalties for an annuity which can provide you with additional income for life. Be sure to consult a qualified financial advisor or tax professional to assess your specific scenario.

4. A source of cash.
There may be times when you need additional financial resources to help fund certain expenses. Your whole life policy can be a source of funds to help you meet these needs and other financial obligations. Insurance institutions that penalize you for accessing your money prior to reaching age 59 1/2, a whole life policy would allow you to borrow from available cash value for any reason and pay it back. However, interest will accrue and both the death benefit and cash value will be reduced by any outstanding loan balance.
5. Dividends.
Some whole life policies pay out annual dividends (money paid to you off the insurer's profits). This cash can be used to purchase additional life insurance (paid-up additions) that increases both the total death benefit and cash value of your life insurance policy. Keep in mind that dividends are not guaranteed.

The primary purpose of any life insurance policy is to provide financial protection for your loved ones when you die. For some, this could be term life assurance, While others find whole life insurance (or a combination of policy types) a better fit.
However, before you decide to buy any type of life insurance, make sure you fully understand the key benefits and features of each and how they can benefit you and your family.

14/09/2017

Why use a broker?

@ First Cornerstone Insurance Brokers Limited we know practice and enlighten that an insurance broker can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, a qualified broker can do the same with your insurance.

Insurance can be incredibly complicated to fully understand, and an insurance broker can help you understand the details of a policy and also work out what level of cover you need so that you are properly protected.

Using a broker doesn't necessarily cost more. Often it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition, because insurance brokers deal with a range of insurance companies directly, sometimes they can access policies that are not available to most consumers.

If the worst happens and you do have to make a claim, a broker will act on your behalf, liaising with the insurance company to negotiate the best possible outcome for the client. So whether it's home, car, life or business insurance, brokers are the best, most trusted source of advice available to make sure you are properly protected.

28/07/2017

THE NEED FOR POLICY HOLDERS TO CONSULT INSURANCE BROKER IN EVERY INSURANCE CONTRACT .

Finding the right level of insurance cover can be a time-consuming and expensive task.
If you’re keen to find a better deal, or you’re unsure of the level of cover required, an insurance broker could be right for you. And can free up your time to do what you enjoy!
Insurance brokers are experts in the market and have a talent for finding the best cover at the best price!
If you’re shopping for unusual insurance products that you have limited knowledge of, brokers can use their knowledge and experience to advise you on a suitable level of cover.
Brokers are independent and work with a carefully selected group of insurers that they have regular contact with and are usually able to secure exclusive deals.
Using a broker doesn’t cost more than going direct.
Brokers are paid a commission by the insurance provider for selling their products so you shouldn’t need to pay an additional fee on top of your premium.
It’s important that no insurance jargon goes unnoticed. A broker is responsible for ensuring any optional extras or cover not included within your policy are clearly disclosed to give you a clear understanding for the level of cover being offered.
For niche insurance requirements find a specialist provider. Comparison sites, or going direct, aren’t obvious mediums for identifying any essential items excluded, such as income protection or breakdown cover.
It’s also difficult to arrange bespoke cover for high value or collectable items, but brokers are likely to have insurer relationships in place to obtain a personalized quote.
Not only is your broker there to see you obtain the best deals available on the market, but any claims are dealt with via your broker to save you the hassle and worry, through what can be a difficult and frustrating process.
@ FIRST CORNERSTONE INSURANCE BROKERS LTD
“ we are ready to serve at no extra cost”

26/07/2017

IMPORTANCE OF FIRE INSURANCE
Fire insurance is the type of insurance coverage, in which an individual pays some sum of money to the company, in exchange to receive advantages for the fireplace losses.

Fire insurance provides the security for home, share, home furniture, enterprise buildings, etc,. Fireplace insurance provides the price of alternative of properties and assets, which gets broken due to the fireplace incident.

Fire insurance provides the advantages for the homeowner in these ways

• It provides the price of damage for the building
• It provides the rc, if any home furnishings are damaged due to the fireplace incident, like plywood home furniture, carpets, clothes.
• It provides alternative or maintenance price for the electronic items,which is broken due to fireplace, like television, computer, air coolers.

Fire insurance provides advantages to the enterprise in the following ways

• It covers the price of share broken due to the fire
• It provides the loss of life advantages to employee, in case of loss of life occurred due to the fireplace incident.
• It provides the alternative or maintenance price for the machines, if they get broken due to fireplace incident.
• It provides the medical expenses for the employees, if they get injured due to the fireplace incident.

Fire accidents are very much unexpected but are heavily destructive. Hence, having a fireplace insurance is very much essential.

The expectations of living have definitely modified with the times and this only indicates that more people look for any paths that can lead to benefits. With there being so many kinds of insurance available in the market, some select to leave fireplace insurance, stating that the threats of a fireplace developing are more distant, than say a enter. True, auto insurance, insurance all seem to take main concern, but that does not make fireplace insurance any less important.

Protecting property or home from fireplace is essential, more so if you know the chance of one developing is very real. Mature qualities usually bring more possibility with them. Their age predisposes them to have some substandard electrical wiring, or some leaking plumbing, which would all end up producing a fireplace. Modern, more latest qualities are at less possibility, but random shoots can happen, like during hefty stormy weather when super hits. A fireplace insurance coverage protects for the harm due to a fireplace in two ways. One is paying out the sum of money comparative to the value of the home or business, after the fireplace is out. The other is by getting together with the costs of changing the piece of property or home, and in this case, that indicates fixing and restocking.

It’s bad enough when your home uses up down due to some inevitable incident, but when you do not have an insurance plan to help you move back to your typical life, its even more intense. With that being said, it is well to consider the significance of a fireplace insurance plan, especially if you know you cannot manage to change the home in your own financial initiatives. You get a chance to explain the essentials of the insurance plan you want, showing what you want protected in the insurance plan, and what to be overlooked. If you can not get your kind of insurance plan with one insurance provider, there are always so many others to select from.

05/05/2015

First Cornerstone Insurance Brokers Ltd is The Broker of First Choice

05/05/2015

The symbol of stable business and peace of mind

22/08/2013

First Cornerstone Insurance Brokers Limited - Celebrates Year 2013 customers week

06/06/2013

Saburi Agboola celebrates Birth Day Celebration