Needs assessment
Estimate the financial impact of death, disability, serious illness or an extended inability to work.
Wealth Protection Services
Protect the plan from the unexpected.
A financial strategy can be vulnerable if illness, injury or death interrupts income. We assess the risks, compare cover structures and explain the costs and policy definitions in plain English.
Is this the advice you need?
Plan for the financial impact of interrupted income.
For families and individuals whose lifestyle, debts or future plans depend on continuing earnings. The starting point is the financial need, including cover and resources you already have.
We assess the types and levels of cover suited to your needs and explain the recommended policies in plain language. Advice brings together your existing cover, family commitments, income and budget, with support through applications, policy reviews and the claims process.
What the advice can cover
Wealth Protection advice areas
Life and TPD cover
Consider funding for debts, dependants, long-term care, education and other objectives if death or permanent disability occurs.
Income protection
Assess waiting periods, benefit periods, policy definitions and ownership arrangements against cash flow and available leave.
Trauma cover
Consider whether a lump sum could help meet treatment costs, recovery expenses, debt or time away from work after a specified medical event.
Policy comparison and review
Compare definitions, exclusions, premiums and sustainability, then review cover as needs and policy terms change.
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