Insurance

After your free initial meeting we can establish whether you have sufficient insurance cover for your circumstances.

Our approach is based on 5 principles:

1. Insurance is only necessary if there is a clear and quantifiable need. If our client has family or domestic or business responsibilities that could be jeopardised in the event of illness or death there could be a need. This need will require assessment and an appropriate level of cover. In the absence of such needs insurance should be unnecessary.
2. As independent financial advisers we are able to research the market to find the most reliable and competitive plans available to meet domestic and business insurance needs.
3. Any insurance plans should be reviewed regularly to ensure they still meet requirements and are still competitively priced.
4. Health or Disability Insurance plans can be complex and our consultants have the necessary knowledge and experience to ensure that our clients understand the extent of the cover provided and ensure that any plan used meets the full range of cover required.
5. Business related plans such as Key Man and Shareholder Protection plans require full consideration of additional factors such as taxation and restructuring and are normally supported with a regular review arrangement to make sure plans stay relevant to the circumstances of the company and the directors/partners involved.

As our clients’ responsibilities to business and their families grow or decline, so usually do their insurance requirements. Periodic reviews should ensure that the cover matches the need.