For families

Family Protection Review

Make sure your coverage matches the life you have built

We size your protection against your real income, obligations and assets — so you are not paying for cover you do not need, or carrying a gap you never knew was there.

Book this conversation

No-cost consultation1.5 hours

What this covers

  • Insurance needs analysis based on real financial data
  • Coverage gap identification and premium optimization
  • Integration with your asset map for accurate coverage sizing
  • Comprehensive protection strategy recommendations

How it works

    • Household income and how long it would need replacing
    • Mortgage, loans and anything that would pass to your family
    • Existing group and individual policies, with their real terms
    1

    Before we meet

    We collect what your household runs on and what it owes, plus whatever coverage you already hold through work or on your own.

    • Income replacement sized to your household, not a multiplier
    • What your group coverage actually does when you change jobs
    • Disability income — the gap most households have never priced
    2

    In the meeting

    We calculate the need from your own numbers, compare it to what is already in force, and put the difference on the table.

    • The coverage gap in dollars, with the arithmetic shown
    • Options at several price points, and what each one gives up
    • A plain answer on whether you need anything at all
    3

    What you leave with

    A written protection summary showing the gap, what closing it costs, and what happens if you close only part of it.

Size it yourself first

Income replacement, outstanding debts and education funding, in about three minutes. It is the same arithmetic we run in the meeting — bring the number with you, or just find out where you stand.

Open the calculator

Questions people ask first

How we are paid

No-cost consultation

Carrier-paid if you implement · Numbers in writing, every time.

Start with the Family Protection Review

Life insurance, disability income protection, coverage gap analysis

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