170 The good non retirement guide But, more particularly, you may be able to obtain better value than you are getting at present. A number of insurance companies now give discounts on house contents premiums if proper security precautions have been installed. Some insurance companies approach the problem differently and arrange discounts for their policyholders with manufacturers of security devices. If you would welcome independent advice on choosing a policy, you could contact the Institute of Insurance Brokers (IIB) for details of local IIB brokers; website: www.iib-uk.com. See also the `Insurance' section, below. Personal safety Older people who live on their own can be particularly at risk. A number of personal alarms are now available that are highly effective and can generally give you peace of mind. A sensible precaution is to carry a `screamer alarm', sometimes known as a `personal attack button'. These are readily available in department stores, electrical shops and alarm companies. Age Concern Personal Alarm Service provides a service that enables