The Challenge
No matter how strong your financial plan is, unexpected events — illness, disability, death — can derail it in an instant. Without proper risk management, your loved ones and lifestyle could be left unprotected at the worst possible time.
Why it matters?
Risk management is about more than buying insurance — it’s about identifying the risks that matter most to you and ensuring you have the right coverage, at the right cost, in the right structure. It’s the safety net that keeps your plan intact if life takes a turn.
Our approach: How we work with you
Your risk management plan is reviewed annually as part of your Prestige Annual Review, ensuring it stays aligned with your financial strategy and current circumstances. We evaluate your existing insurance — including life, disability, critical illness, and health benefits — to identify gaps, overlaps, or unnecessary costs. Our goal is to keep your protection comprehensive and cost-effective, safeguarding your income, assets, and family so unexpected events don’t derail your long-term goals.
From there, we explore solutions that fit your needs, including:
- Life Insurance — Often replacing costly, restrictive mortgage insurance with a customized policy. We calculate the amount needed to cover debts, replace income, and fund lump‑sum expenses.
- Disability Insurance — Protecting your income if illness or injury keeps you from working. We review your current coverage and recommend top‑ups where necessary.
- Critical Illness Insurance — Providing a lump‑sum payout on diagnosis of a covered condition. Funds can be used for treatment costs, living expenses, or alternative care.
- Retirement Benefits Review — Comparing employer‑provided retiree benefits with individually underwritten options to ensure you get the best value.
Helping you live for today, while planning for a better tomorrow.
Book your free discovery call to learn more about this service and how it fits into your tailored financial strategy.
