01
Life cover
Protect dependants and income-replacement needs so a financial plan can survive an unexpected loss.
Protect • Insurance
Insurance
Insurance is about protecting the plan when life does not go according to plan. The right cover is about risk transfer, not return chasing.
Understand the moving parts
A clearer framework before you choose.
02
Health cover
Prepare for medical costs that could otherwise force long-term investments to be sold at the wrong time.
03
Motor & property
Protect valuable assets from losses that could set back savings and cash flow.
04
Keep protection separate
Understand when an insurance need is being mixed with an investment objective, and compare the costs and benefits separately.
Questions worth asking
Use the page as a starting point for a better decision.
Costs, lock-ins, liquidity, protection, taxes and risk can matter more than a headline return. Start with the questions below.
- ✓Who depends on this income?
- ✓What large financial shock would be hardest for the family to absorb?
- ✓What are the exclusions, waiting periods and claim conditions?
- ✓Does the policy amount still match the goal as life changes?
Next step
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