Risk Cover

Risk cover can be confusing and it’s hard to know what you really need as cover.

As we grow older, get married, build families, accumulate wealth, and start businesses, our circumstances change and generally become more complex. We also come to realise this life insurance, income, disability and dreaded disease cover needs also become more complex and form an integral part of having a sound financial plan. Each of us has a responsibility to protect family and loved ones from life’s unexpected events. Nobody wants their heirs to be encumbered by debts, taxes and other duties.

As part of the Activ8 Family Life Audit we will undertake a complete review of your existing policies to ensure that they are still sufficient and appropriate. We will then also complete an holistic estate planning exercise to calculate any liquidity shortfalls that may be inherent in your asset base. Our advice is independent and objective in that we are not aligned to any single insurance underwriting house. We will get quotes from all the major industry players and present you with expert advice on the best course of action.

On an annual basis we will review and monitor your cover to ensure that it is still relevant and needed, and if necessary update. With Activ8 Risk advice you will have the peace of mind that your family and loved ones will be well taken care of.