Savings

What we will review with you

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

• Savings goals and milestones

  Identify what you are saving for, such as education, a family milestone or a future purchase, and when the money may be needed.

• Contribution budget and frequency

  Discuss how much you can set aside and whether the proposed payment schedule fits your income and commitments.

• Savings period

  Compare the intended savings period with the policy term and premium-paying period of any option under consideration.

• Existing savings and policies

  Review your current savings arrangements and insurance policies before considering an additional commitment.

• Access to funds

  Discuss possible early access needs and review the product’s withdrawal, loan or surrender provisions where applicable.

• Benefits and payment terms

  Review the benefit illustration, payment dates and which benefits are guaranteed or depend on stated conditions.

• Charges and exit terms

  Ask about applicable charges and what happens if you stop paying premiums or exit before the scheduled end date.

• Regular progress reviews

  Revisit your savings goal and contributions when your income, family priorities or expected expenses change.

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.