Someone who doesn’t have adequate protection for themself, their family and their assets is either very brave or very foolish. For most people, it makes sense to have a ‘safety net’ in case the unexpected happens – such as an accident, serious illness or even death.

But it’s important not to waste money by over-insuring, or getting protection where none is needed. We think that insurance should be appropriate, adequate and affordable. That’s why we take care to properly evaluate our clients’ real needs and budget before we make any recommendations.

Typical policies that may be of interest include: