Wealth protection
A policy is reviewed when life changes, not when the premium goes up.
Company, family, insurance and continuity are connected. We start from real scenarios to see what would happen and who would pay for it.
Scenarios we review
- Disability: if you can't work for months, what keeps coming in and what keeps going out?
- Death: what your family receives, when and with what paperwork.
- Business partner: what happens to the company if one of the partners is gone.
- Liability: what a claim could reach outside the company.
- Cyber risk: an attack that stops the business for days.
- Liquidity and continuity: how everything keeps going while it is resolved.
Three different things
Diagnosis
Seeing the map and pointing out risks. It is the starting point.
Insurance brokerage
As a broker, I compare and manage policies from several insurers.
Coordination with specialists
Tax and legal matters are handled by your adviser or lawyer. I make sure everyone works from the same map.
Succession
You don't need to have everything solved, but you do need to know what is worth documenting and which conversation to have at home before it becomes urgent. We prepare it together with your lawyer or notary.
Frequently asked questions
How often should beneficiaries be reviewed?
Every time something important changes: a divorce, a child, a sale, a new partner. It is what goes out of date most often without anyone noticing.
How do I know if the sum insured is enough?
By comparing it with what would really depend on it: debts, family expenses and the continuity of the company. We look at it with figures in the review.
What should I check in the exclusions?
The ones that affect your real activity. A policy can be good in general and still not cover exactly what you do.
Is renewal a good time to switch?
It is a good time to review. Whether to switch depends on what the review shows, not on the premium.
What documents should I have to hand?
Your current policies, the latest premiums and the beneficiary details. We start with that and ask for more only if needed.