Insurance and Risk Management

Risk Management is the process of identifying the risks you face in life and and taking steps to minimize the financial impact.

This is a key component of any financial plan.

Each year many people face financial disaster through premature death, disability, or illness. As part of your financial plan, I will review your current insurance coverage and identify any shortfalls.

Where appropriate, I make specific insurance recommendations to better protect you and your loved ones.

With most financial instruments like bank deposits, company shares, or unit trusts, it takes time to build and grow. However, when a person buys a life insurance policy, an amount of money, is available immediately from the start of the contract should the insured person pass away.

This immediate creation of an “estate” allows the policy owner to focus on other goals without worrying about making arrangements for their dependents' financial security. What sets life insurance apart from other financial products is that it provides the policy owner with peace of mind.