Six things we do
We are an insurance firm. We help you find a better way to integrate insurance into the rest of your portfolio.
Book a Discovery CallLife Insurance
Permanent life insurance built so that most of your money is available as cash value early, instead of most of it going to the death benefit. Same carriers everyone else uses. The difference is how the policy is designed.
- Whole life and IUL
- Designed for cash access
- Term where term is the right answer
Policy Review
Send us the illustration for a policy you already have and a specialist reads it with you, line by line, and tells you what it is actually doing. Sometimes the answer is that it is built well and you should leave it alone.
- Any carrier, any agent
- Your real numbers, not an example
- Costs nothing
Disability
Your ability to earn is the asset every other plan sits on top of. Disability coverage protects it, and the definitions buried in the contract decide whether it pays when you need it. We read those definitions before you sign.
- Own-occupation definitions
- Individual and group
- For owners and high earners
Annuities
An annuity turns a lump sum into income that keeps arriving for as long as you are here. They are sold hard and understood badly. We will show you the cases where one is the right tool and the cases where it is an expensive way to do something simpler.
- Guaranteed lifetime income
- Compared against the alternatives
- Built for your retirement, not the carrier
Long-Term Care
Most people will need care at some point and most people pay for it out of the money they meant to leave behind. There are now policies that pay for care if you need it and still pay a death benefit if you do not.
- Standalone and hybrid policies
- Care costs modelled against your assets
- Nothing wasted if you never claim
BetterWealth Plus+
A membership for clients: identity protection, dark web monitoring, the community, and the Family Office Club. It is still being built. The page tells you what is coming and takes your email for the day it opens.
- In build
- Client membership
- Join the list
Questions we get on this page
Which one do I need?
Most people arrive wanting life insurance and leave having fixed something else first, usually income protection. Book a Discovery Call and a specialist works through what you already have before recommending anything new.
Do you charge for any of this?
No. The insurance company pays us a commission when someone buys a policy through us. You pay us nothing directly, on any of the six.
Can you help if I bought my policy somewhere else?
Yes, and that is what the policy review is for. Any carrier, any agent, however long ago. We read the illustration and tell you what it is doing.
What happens on a Discovery Call?
Thirty minutes with a specialist. You describe what you are trying to do with your money, they ask questions, and you leave knowing which of these is worth your time. If the answer is none of them, they will say so.
Not sure which one
Tell a specialist what you are trying to do with your money and they will tell you which of these is worth your time.
Book a Discovery Call