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Protect
Cover the things that would derail everything else.
Protection is the least interesting part of a financial plan and the part that decides whether the rest of it survives. One hospital admission or one lost income can undo a decade of investing. We start here because the maths of everything after it depends on it holding.
Term Insurance
Pure life cover with no investment attached. The cheapest way to make sure your income keeps arriving if you don't.
See how a shortfall compoundsHow we approach it
We size the cover against obligations rather than against a multiple of salary: years of income replacement, outstanding debt, and dated costs like education, less what already exists. Then we buy that amount as plain term cover, because it is the only structure cheap enough to hold the quantity you actually need.
Who it is for
Anyone whose income supports another person — a partner, children, dependent parents. If nobody relies on your earnings, you do not need it yet.
The mistake we see most
Treating employer group cover as the plan. It usually ends the day the job does, which is often the same day the income problem starts.
Health Insurance
Cover sized against real hospital bills in your city, not against the premium you'd like to pay.
How we approach it
Cover is sized against what a private hospital in your city actually charges for a serious admission, not against the premium you would prefer. We look at room-rent limits, sub-limits, waiting periods and restoration clauses, because that is where claims fail.
Who it is for
Every household, independent of employer cover. Particularly urgent before a diagnosis makes a policy harder or more expensive to get.
The mistake we see most
Buying on premium alone. A cheap policy with a room-rent cap can proportionately reduce your entire claim, not just the room charge.
Family Protection
One view of who depends on your income, what they would need, and what is already covered.
How we approach it
We map who depends on whom, what each person would need if an income stopped, and what cover is already in force across every policy. Most families discover overlap in one place and a gap in another.
Who it is for
Households where more than one person's income or care matters — including single-earner families and those supporting parents.
The mistake we see most
Insuring the earner and nobody else. The cost of replacing unpaid care work is real, and it is routinely left out.
Personal Accident
For disability and loss of earning capacity — the risk most people insure last and need most.
How we approach it
The important part is permanent partial and total disablement, not the death benefit — disability is both more likely and more expensive, because the income stops while the costs rise.
Who it is for
People whose income depends on physical capacity, and anyone who commutes a lot. It is the cover most people insure last and need most.
The mistake we see most
Assuming health insurance covers this. It pays hospital bills; it does not replace an income you can no longer earn.
Where this fits
Protect is one of four. The plan is all of them.
We will tell you where you actually are across all four pillars, what to fix first, and what can safely wait — before recommending anything at all.