I don’t have cover
Talk through the people who rely on you, your income and the costs you would still need to meet if life changed unexpectedly.
Personal insurance
Cover that fits your life. Clarity about what you need.
Starting without insurance, unsure about existing cover, or wondering whether you have too much? Let’s work out where you stand.
Start your insurance check-inA short set of questions to help clarify what you’d like to discuss. You can book a meeting at the end.
You can start from any of these places.
I’m not sure what I have
Make sense of your existing policies, what they cover and their limits. We can look for gaps, overlaps and cover that may no longer suit your situation.
Am I paying for too much?
Review whether your cover and its cost still fit. That could mean keeping it, adjusting it or considering less cover where appropriate—not automatically adding more.
A useful review
Protection should make sense for the life you are living.
Insurance is personal. The right conversation starts with your responsibilities, your income and the people or commitments you want to protect.
Life and family protection
We can talk through the people who rely on you, debts and ongoing costs, then consider what support would be useful if you were no longer here.
Trauma and health cover
We can explain what trauma cover is designed to do and how it may sit alongside other protection, without assuming every policy is right for every person.
Income protection
Your ability to earn is often one of your biggest assets. We can discuss how your income might be supported if illness or injury kept you from work.
What to expect
A conversation.
A clearer next step.
Start with your life
We talk about your responsibilities, existing protection and what you can comfortably afford.
Review what’s there
Bring your policy documents if you have them. We can discuss life, health, trauma and income protection cover as relevant to your needs.
Understand the trade-offs
I’ll explain recommendations, costs and relevant limitations. Before changing or cancelling cover, we’ll discuss what you could lose and any conditions on replacement cover.
Not sure whether you need a review?
You don’t need to choose a policy before we talk. The first step is understanding your situation.