- Risk planning and cover
- Events to consider
- What you need to know
- Get in touch
Why risk planning for life events is important
Death, disability, and dread disease is not something we want to plan for. However, the costs and consequences that occur because of it are well worth making the necessary preparations.
Your family’s income is protected
Medical expenses are covered
Estate duties and taxes are planned for
Life events to be considered
- Differing needs
Life cover
In the event of death, life cover pays a lump sum to your estate or beneficiary to support your family, fund future needs, and ensure estate liquidity to settle debts.
Disability protection
Disability isn’t certain, but the impact without cover can be severe. Medical costs, lost income, debt, and lifestyle adjustments (such as a wheelchair, for example) must all be considered when assessing your needs.
Dread disease
Dread disease (critical illness) can impact your health, income, and lifestyle. Having cover ensures financial security to manage the challenges that may follow.
What you need to know before you plan
Why your needs, personal details, and insurance costs all matter.
- Holistic Financial planning
Financial Needs Analysis (FNA)
A Financial Needs Analysis aligns your goals with your current reality. Full disclosure ensures clear insight, guiding sound advice that protects your future.
Family circumstances
Holistic financial planning starts with understanding you and your family—your relationships, finances, goals, and aspirations. Each detail helps shape a plan tailored to your needs.
The cost of insurance
Insurance costs vary based on personal factors like age, health, and lifestyle. Through underwriting, providers assess this information to determine your cover.
Get advice
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