Protection

What we will review with you

Our discussion starts with your requirements for protection. These are the key points to bring to your consultation.

• Family income needs

  Discuss who depends on your income and the household expenses your family would need to meet in your absence.

• Outstanding loans and commitments

  Include home loans, other borrowing, education goals and ongoing family responsibilities in the discussion.

• Cover amount and duration

  Review the amount of protection you are considering and how long your financial responsibilities are expected to continue.

• Existing life insurance

  Bring details of personal and employer-provided life cover so the discussion reflects the protection you already have.

• Premium budget and payment schedule

  Discuss a payment amount and frequency that fit your budget, and review how long premiums would be payable.

• Health and occupation details

  Prepare your health, occupation and lifestyle information for an accurate application and a review of insurer requirements.

• Nominee details

  Review the person or people you want to nominate and the information required to keep those details current.

• Policy terms and claims process

  Ask about the insured events, exclusions, optional benefits and documents needed when a claim is made.

How to get started

1. Tell us about your goals and the requirements you would like to address.
2. Bring relevant existing policy or investment details to help us understand your current position.
3. Review the available options and their terms with our team before choosing your next steps.