Experienced insurance advisers, we prepare recommendations and advice for personal risk insurance appropriate for specific needs.

We consider a range of matters specific to individual circumstances that aim to provide financial protection for themselves, their families and businesses that includes claim waiting periods, exclusions, definitions, cover limits and the merits of stepped or level premiums.

Importantly, should you ever need to claim on your insurance, we guide the claim process, liaise with insurers on your behalf, and coordinate payment of entitlements in accordance with your financial or estate plan.

Our risk insurance and product advice includes:

Income Protection Insurance can provide replacement income (usually a pre-determined percentage of your income) should you become unwell or have an injury that prevents you from working to earn an income.

Life Insurance is a lump sum payment paid to beneficiaries in the event of your death. Total & Permanent Disability (TPD) Insurance is often bundled with Life Insurance policies as it provides a lump sum in case of a total and permanent disability.

Trauma cover, often known as critical illness insurance, can provide a financial benefit on diagnosis of a serious illness such as cancer, heart disease, stroke, dementia and serious accidents such as major head injury. Trauma insurance provides important funding that may be used for treatment, rehabilitation and for living expenses during recovery.

An important insurance if you or another person in your firm is vital to the ongoing success of your business. This insurance policy provides cover in the event of the death or disablement of you or a key member of staff.

In the event of a business partner not being able to continue in their business due to  critical illness, permanent disability or passing away, insurance-backed buy/sell agreements can provide death and TPD financial benefits for the exiting partner, their beneficiaries or estate as a guaranteed payout of the shareholding while allowing the surviving business partners to purchase the exiting partners shareholding to maintain control of the business.

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