Who this is for: Individuals and families reviewing existing policies or buying fresh cover.
Cover should be sized from a calculation, not from a premium budget or a product recommendation. We compute the requirement from income, dependents, liabilities and goals.
Existing policies are reviewed for adequacy, overlaps, exclusions and continuation, and the shortfall is quantified.
The outcome is a clear cover position and a prioritised list of what to address first.
Challenges this addresses
- Cover amounts based on convenience
- Investment and insurance mixed in one product
- Health cover inadequate against medical inflation
- Policies unknown to the rest of the family
What the engagement includes
- Requirement computation
- Existing policy review
- Overlap and exclusion analysis
- Shortfall quantification
- Family documentation checklist