Advice Products

Life Insurance

Life insurance pays a lump sum on the death of the insured, and in some cases earlier if the life insured is diagnosed with a terminal illness.

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Total & Permanent Disability Insurance

Total & Permanent Disability (TPD) insurance pays a lump sum on the insured becoming permanently disabled due to illness or accident.

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Trauma Insurance

Trauma insurance pays you a lump sum on the diagnosis of a specified non-pre-existing illness or injury, generally including heart attack, stroke, cancer, and paraplegia.

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Income Protection Insurance

This insurance is designed to replace your income if you are unable to work due to sickness or injury. It provides a monthly payment of usually up to 75% of your pre-tax income.

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Key Person Insurance

Key person insurance is taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business.

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Buy/Sell Insurance

Buy/Sell insurance pays a lump sum if you or one of your partners dies or suffers a serious illness or injury and are unable to stay in the business.

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Advice Process

Step 1

Determine the extent of financial risk… and if you need to transfer some or all of it to an insurance company

Step 2

Identify insurances required… and develop tax effective strategies for premiums (where possible)

Step 3

Calculate levels of insurance cover required… and determine which definitions and exclusions you need

Step 4

Research the market to identify insurances which provide the right level of protection at competitive premiums

Step 5

Gap Analysis Procedure

Are you comfortable with the cost of that cover?

Step 6

Do you need to reduce the amount insured and therefore assume some of the risk yourself?

Step 7

Arrange purchase of insurances… and liaise with insurance underwriters

Step 8

Regularly review insurances and level of cover to ensure they continue to meet your needs

Advice Process

Step 1

Determine the extent of financial risk... and if you need to transfer some or all of it to an insurance company

Step 2

Identify insurances required... and
develop tax effective strategies for
premiums (where possible)

Step 3

Calculate levels of insurance cover
required... and determine which
definitions and exclusions you need

Step 4

Research the market to identify
insurances which provide the right level of protection at competitive premiums

Step 5

Gap Analysis Procedure

Are you comfortable
with the cost of that
cover?

Step 6

Do you need to reduce the amount insured and therefore assume some of the risk yourself?

Step 7

Arrange purchase of insurances... and liaise with insurance underwriters

Step 8

Regularly review insurances and level of cover to ensure they continue to meet your needs

We Handle the Details

Insurance made simple. We take care of the complexity, paperwork, and fine print—so you don’t have to.

Advice at no extra cost

We believe getting the right cover shouldn’t come with hidden fees. That’s why our advice is provided at no additional cost, with full transparency every step of the way.

Personalised insurance guidance

No two people are the same. We take the time to understand your situation first, then recommend cover that genuinely fits your needs—not a one-size-fits-all solution.

Real expertise you can rely on

Our advisers bring deep industry experience and a strong focus on life and general insurance. You get practical, informed advice designed to give you confidence in your cover.

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