Insurance Services

Insurance is the least exciting and most consequential part of a financial plan. It is what stops an illness, an accident or a death from undoing twenty years of saving. It is also the product people most often overpay for, because policies accumulate over a lifetime without ever being revisited.

We compare quotes across multiple carriers for term and permanent life cover, health and supplemental plans, auto and home policies, umbrella liability and disability income. We then run an annual audit of everything you already hold, looking for duplicated cover, gaps between policies, and premiums that no longer match the risk they were priced for.

Who This Service Is For

Families with dependants who need income replacement cover; homeowners whose policy has not been reviewed since purchase; self-employed people with no employer disability protection; and anyone carrying several policies bought at different times from different agents.

What This Service Includes

• Multi-carrier quote comparison for the cover you actually need
• Life cover needs analysis based on income, debts and dependants
• Health, auto, home and umbrella policy review and placement
• Disability income protection for employed and self-employed clients
• An annual audit of every existing policy, checking gaps and overlaps
• Claims guidance and support when you need to use a policy