"Our raison d'être is the improvement of our clients’ lives through peace of mind and financial certainty when illness or injury threatens to destabilise them. We achieve this by our disciplined commitment to a proven process.
It starts and ends with understanding our clients, and is driven by our care for their wellbeing".
1. Understand You: We cannot consider advice before we understand your issues, priorities and preferences. We learn what’s important to you and your loved ones, and why? We find this works best when you talk and we listen.
2. Risk Assessment: This is more than just identifying all relevant risks. We consider alternatives to insurance to minimise, mitigate and manage key risks and prioritise them.
3. Review your Current Arrangements: Most clients referred to us will have existing insurance arrangements in place. We don’t believe in re-inventing the wheel if your current insurances are optimal and competitive. We thouroughly review them for quality and cost effectiveness, with great attention to the detail.
4. Advice: Only now do we feel confident to advise an appropriate course of action. That may be to maintain, augment, rationalise or replace – whatever is in your best interest. We present these to you in plain English and discuss them with you, including alternative strategies and their relative merits and issues.
5. Implement – We completely manage all changes to your cover. Our expertise in medical and financial underwriting ensures best possible outcomes for our clients in an efficient manner.
6. Claims Management: Should you need to claim we will manage the entire process for you. Our extensive experience in this area and rigorous process provides excellent outcomes for our clients.
7. Re-Examine: Change is a certainty. Your policies, circumstances, needs and priorities will change over the course of your life. We comprehensively review your circumstances annually, and more frequently where your circumstances have changed or are expected to change.
Claims Consulting for non-clients
Has your claim been declined or taking a long time to resolve?
With significant experience in this area we are able to provide consulting support and manage this process for you. We do so on a fee-for-service basis and give you a realistic assessment of your likelihood of success.