Insurance Services

Insurance is the least glamorous part of a financial plan and the part that most often goes wrong: three overlapping policies in one area and a fatal gap in another. Our insurance service starts with a coverage audit rather than a quote.

We look at what you already hold — life, health, disability, homeowners or renters, auto, umbrella liability and any business cover — and test it against what would actually happen if you lost income, your home, or your ability to work. Term life is usually the efficient answer for income replacement; permanent cover has a place for estate planning and specific business needs, but it is frequently oversold. We tell you which is which.

Once cover is right, we review it annually. Marriages, children, mortgages, salary changes and business growth all shift the maths. A policy that was perfect five years ago can quietly become inadequate or unnecessary.

What is included

• A written coverage audit across life, health, property and liability
• Term and permanent life insurance comparison where relevant
• Disability and income-protection review
• Homeowners, renters and umbrella liability coordination
• Small business cover: liability, property and key person
• Annual policy review with premium benchmarking

Who this service suits

There is no single profile of borrower or client, but in practice our insurance services service tends to fit people who recognise the points below. If you are unsure, the eligibility conversation is free and takes about fifteen minutes.

• Individuals, families and small business owners
• Details of existing policies and renewal dates
• Basic health and lifestyle information for life cover
• Agreement to review beneficiaries and sums insured
• No obligation to switch any policy

How we work with you

Every engagement follows the same rhythm. First we listen: what you need, when you need it and what your budget can absorb without stress. Next we model the realistic options — including the option of not proceeding — and put the numbers in front of you in writing. Only then do we discuss an application.

Once you decide, your advisor manages the documentation, liaises with the lender or provider, and keeps you informed at each stage rather than leaving you to chase updates. After completion we remain your point of contact for questions, reviews and any change in circumstances.

Frequently asked questions