Personal Insurances

The fact is, lifechanging events happen to ordinary people every day. Untimely death, debilitating illness or injury that prevents you from earning or meeting your financial obligations, all have significant financial impacts. The key to financial protection is insurance and the key to insurance peace of
mind is advice.

Our recommendations consider wide ranging and often complex matters such as insurance definitions and what your cover will include, but ultimately our goal is to offer the appropriate level of cover for your circumstances.

We will guide you through a process that creates a clear understanding of your circumstances and any matters such as pre-existing health conditions or high-risk occupations and pastimes that need to be disclosed to the insurer.

From the information you provide, we will recommend your ‘ideal’ personal protection strategy. We will then discuss alternative options, explaining any differences in definitions that may include lesser benefits, terms and conditions. Our goal is to create a clear understanding of what’s included, what’s not and the cost of your premium to arrive at an agreed
personal risk strategy.

Our service continues beyond implementation of your personal protection strategy. We will conduct regular reviews to adjust your personal protection strategy to accommodate changes and stage of life circumstances. Importantly, should you need to claim, we will coordinate the claim process for you and liaise directly with the insurance company on your behalf.