A considered review starts with the life behind the cover.
The important questions are about the people, commitments, income, and choices that need to remain steady if something changes.
Insurance should reflect the life you have built
Your needs can change with income, debt, dependants, work, business ownership, and the cover you already hold. A review helps make those considerations visible before you decide whether any action is appropriate.
We start every conversation with a needs analysis — understanding your income, debts, dependants, and existing cover — before making any recommendation. The aim is to help you understand relevant gaps, overlaps, costs, and trade-offs.
We work with a range of major providers and compare the available options against what matters in your situation. We explain any relevant provider payments, costs and trade-offs before you decide, then review your cover as life changes.
We advise people at every stage of life
Families with a mortgage
If you or your partner couldn't work, how long could you keep up repayments? We assess the gap between what you have and what you actually need.
Business owners
Your income is tied to your ability to show up. We advise on personal cover that protects your lifestyle regardless of what happens to the business.
People with existing cover
Most people set up insurance once and never review it. Life changes — income grows, families expand, mortgages increase. We check whether your cover still fits.
High earners without a plan
A high income creates a large protection gap. We ensure your cover is proportionate to what you'd actually lose, not a generic default amount.
A thorough assessment before any recommendation
Your income and what it supports
We start with what you earn, what you owe, and who depends on you. This tells us the minimum protection floor before we look at anything else.
Your existing cover
Most people have some cover — through work, a previous adviser, or a bank. We map what you have, identify gaps and overlaps, and tell you honestly what's worth keeping.
Different ways to protect what matters
Life cover, support if income stops, cover for serious illness and permanent disability each do different jobs. We explain the choices in plain language and recommend only what fits your situation.
Available provider options
We consider suitable options from providers available within the agreed scope, including what is covered, what is not covered, the price, features and information relevant to your situation. Before you decide, we explain how we are paid and any relevant conflicts.
Ready to review your cover?
Start with a conversation about your existing cover, the questions you have, and whether a personal-protection review would be useful.
Start the conversation