Challenges we address
What usually brings clients here
Cover sized by premium
Sum assured is chosen by what feels affordable rather than by what the family would require.
Loans uncovered
Outstanding liabilities are not separately provisioned, leaving the family with both loss of income and repayment obligations.
Medical inflation
Health cover taken years ago is no longer adequate against current hospitalisation costs.
Key-person dependence
Business banking, decisions and relationships rest with one person, with no documented continuity plan.
Our approach
How the engagement runs
Assess
Compute income replacement, liability and goal-funding requirements.
Plan
Review existing cover, identify overlaps and exclusions, and quantify the gap.
Structure
Prioritise what to address first and document nominations and records for the family.
Review
Reassess after income changes, new loans, or family events.
Included services
Services under this solution
Engagements are assembled from these focused services, based on what your situation needs.
Family Protection Planning
Ensure income, liabilities and goals remain covered if the earning member is unavailable.
DetailsAsset Protection Planning
Reduce avoidable exposure of family assets to business, liability and documentation risk.
DetailsRisk Profiling
Establish the risk level you can bear financially and sustain behaviourally.
DetailsInsurance Needs Assessment
Quantify life, health and liability cover requirements against what you already hold.
DetailsBusiness Continuity Planning
Prepare the financial arrangements that keep a business running through disruption or promoter absence.
DetailsFAQs