Who this is for: Single-income and dual-income families with dependents or loans.
Protection planning answers a specific question: if income stopped tomorrow, for how long would the family maintain its current standard of living and continue funding its goals?
We calculate the requirement from income replacement, outstanding liabilities, dependent-specific goals and existing assets and cover, and quantify the shortfall.
Recommendations focus on adequacy, claim reliability and clarity for the family, not on product complexity.
Challenges this addresses
- Cover sized by premium affordability rather than need
- Loans not separately covered
- Nominee and documentation gaps
- Health cover inadequate for medical inflation
What the engagement includes
- Income replacement computation
- Liability coverage assessment
- Existing cover and asset offset
- Gap quantification
- Documentation and nominee checklist