Cover sized by analysis, not by guesswork.
If your income stopped tomorrow, what would happen to your family, your bond and your business? We quantify the answer, then structure cover that holds up when it's claimed on.
Diagnosis first
We calculate the actual shortfall across debt, dependants, education, estate costs and income replacement. Cover amounts follow from that calculation rather than a round number.
The right cover in the right place
Life, disability, severe illness and income protection each solve a different problem, and where the cover sits — personally, in a trust, or in a business — affects tax, liquidity and who receives it.
Claims-ready structuring
Correct beneficiary nominations, accurate disclosure and reviewed premium patterns matter far more at claim stage than the premium you paid on day one.
What this includes
- Life cover needs analysis
- Disability and impairment cover
- Severe illness cover
- Income protection structuring
- Existing policy review and comparison
- Beneficiary and estate liquidity planning
- Premium pattern and affordability planning
- Regular cover reviews as life changes
Frequently asked
I already have cover — is a review worth it?
Usually, yes. Cover bought years ago often no longer matches your income, debt or family situation, and duplication is common.
How much life cover do I need?
It depends on your debt, dependants and income. We calculate it rather than estimate it.
Will a review commit me to changing anything?
No. You receive the analysis and recommendations; the decision remains yours.