Why Use a Life Insurance Advisor?

An experienced Adviser knows how to best implement your strategy, and which financial products and facilities best serve your needs. The alternative is generic advice and an outcome which can only partially meet your needs.

Bemrose Life Advisers have decades of experience in the life insurance industry, helping businesses and families protect what is important to them. Once everything is in place we can review your arrangements to ensure that they remain consistent with your changing circumstances, and then there’s the most important job of all - We are there if you need to make a claim on your insurance.

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We will guide you through the whole process, manage the claim with the insurer and even go into bat for you if need be.

Identify Financial Risks

Most individuals, families and business owners are carrying significant financial risk should the unexpected happen.

The big question you have to answer is: ‘Would I be able to maintain my lifestyle, my business or my family’s financial security if I died or could no longer earn an income?’

If your answer to this question is “no”, you need to consider transferring your financial risk via life insurance.

Typically you would expect that you would earn an income and grow your assets until you retire and then those assets would be depleted over your retirement, possibly with some left for your estate.

But what would happen if you were seriously injured or had a serious illness sometime before you retired? Or if you died?

Without an income you would have to draw down your assets to survive, and this would significantly change your plans for you and your family.

That’s where good insurance advice comes in. We can help you to identify the gaps in your assets and required income, and design a strategy to keep you on track financially.

The outcome is that for a tiny fraction of the potential value, you can fund a risk mitigation plan – and this gives you enormous peace of mind.

Build a strategy

Once we understand your risks – and the potential shortfall, we develop strategies to help you transfer that risk and we identify a specific insurance portfolio including types and amounts of cover.

We also help you find tax and cost effective structures to minimise the impact on your immediate finances.

Then, we research the major, reputable insurance companies to find the insurances which provide you with the right level of protection, including the best definitions and conditions which best suit you and your family.

We keep you in the loop the whole time so you can make informed decisions, ad there are no surprises.

When you’re happy with the plan, we implement the recommendations and manage the process of administration and underwriting until everything is in place. But that’s not where our work is finished.

Review your plan

Once your insurance portfolio is in place, we will regularly review it along with your changing circumstances, to ensure your portfolio continues to be relevant and cost effective.

In the unfortunate event that you need to claim on your insurance, we will manage this process for you as well.

From event, lodgement and management of the process right through to settlement, we will oversee the whole thing and we will always vigorously pursue our clients’ entitlements under their policies.