How much insurance is do you need? And how do you minimise its cost?

Personal insurance is becoming more difficult to obtain and increasingly costly to maintain. This blog outlines the approach we take when formulating how much insurance our clients need and strategies to manage its cost. What is personal insurance?This blog refers to personal insurance only. That typically includes up to four products:§ Income protection insurance – which pays a monthly benefit if you are unable to work due to illness or injury;§ Life – pays a lump sum benefit if you die;§ TP...