Insurance and Risk Planning

We recommend a comprehensive approach to Risk Planning that ensures the right type and amount of insurance cover is in place to protect you and your family.

Our approach seeks to ensure that should something go wrong then you will have:

• cover in the event of disability where you are no longer able to earn an income,
• a lump sum available for the repayment of debts,
• an additional lump sum that can be invested to generate income for surviving family members, and
• provision for funds to meet final expenses (including funeral and legal costs).

We are able to provide our clients with recommendations sourced from all of the major life insurance companies. We use software to assist us in evaluating the most appropriate cover for you, not only in terms of the cost but also the quality of the cover.

An important part of our service is to conduct a regular review to assess any changes in your circumstances that may warrant changes in your cover. Through this process we can ensure that the levels and types of cover in place remain appropriate and that the life company providing the cover remains competitive.