Our insurance philosophy is led by our belief that the most valuable asset you own is your ability to earn an income to provide for yourselves, your family, your future. Knowing you can continue to produce provides a layer of certainty and security. But what happens if your ability to earn an income is suddenly taken away?

We believe insurance fulfils our basic need for security, by providing peace of mind and a layer of predicable wealth, in the event of death, disablement or prolonged injury. Knowing things are truly taken care of, how, what and why, is a powerful contract to own.

Just as each family, or business, has different expectations and means to continue financially, so to should the polices and amount of cover discussed and recommended. Every client should protect their blind side. The ultimate outcome here is ensure you have adequate cover in place to provide certainty you, and your family, are able to live as close to a normal life as possible in the event something happened to you yesterday.

When it comes to insurance premiums, we believe, as your liabilities and commitments reduce (and overall asset base grows), so too should insured amounts. For this reason, your cover should be assessed regularly and as such, we prefer stepped premiums over level as sums insured should reduce overtime.

In choosing the right insurer, price, whilst important, is no substitute for the strength of an insurer, their financial stability and importantly, our clients claim experience with them. Ownership structure for your policies should be determined not only with a view to tax efficiency and cash-flow but also wealth building and distribution.

With policies such as life insurance, total and permanent disability insurance, trauma insurance and income protection, as well as coverage for business partners and key workers, we believe time invested in understanding the differences between policies, and how they work, is well rewarded.

Our insurance beliefs: