What is required to reduce and manage my risk exposure?
This service evaluates the financial risks associated with death, disability and illness. We will simulate these scenarios using detailed cash flow modelling to become aware of the future financial outcomes and determine accurate levels of insurance required. In almost all cases, we find that clients are over or under insured.
In addition to advising on exactly how much insurance you need, we will review your current policy compared to alternatives and provide quotes as well. You can be sure that there is no conflict in the advice as we rebate (to you) all product commissions, often resulting in reduced premiums by about 30% p.a.
Our advice will be documented in your Financial Life Plan.