No-one wants to die or suffer serious illness or injury.  Unfortunately, we all eventually pass away, and few of us maintain good health for a lifetime.

Insurance does not cure illness or prevent death. It merely recognises its existence and probability.  When we look at our client’s financial situation, a big consideration is risk.  This can be investment risk, particularly if you are retired and relying on savings for your income.  For younger people though, the big risk to their financial plans is ill-health and for couples, the death of a partner.

At FB Wealth Management, we have always been strong advocates for a sound insurance plan as a key element of a robust investment plan.  You hope it will not happen to you, but you have to at least plan for the possibility.

We have a specialist in the area of risk, as we know it is a complex area that requires a professional and well researched approach. In most cases, during implementation there is no direct cost to our clients and importantly we are there to fight on behalf of our clients in the event that a claim is to be made.  Claims are particularly stressful for clients, as it generally occurs during a period of severe personal upheaval and grief.

The word ‘insurance’ encompasses a diverse and often misunderstood group of products.  We specialise in personal insurance which encompasses areas such as:

• Term life insurance
• Temporary and Permanent Disablement (TPD)
• Income protection
• Trauma
• Key Person Insurance
• Business buy and sell

Some, or all, of these insurances may be appropriate for every client.  Our role is to identify any needs and then explain which type of cover may reduce or eliminate that risk.