Our Services
We are personal insurance brokers for healthcare professionals. We specialize in two types of insurance: disability (income protection) and life insurance.
While we hope we’re the friendliest, we know it’s our medical knowledge that really sets us apart from other brokerages.
Our team’s deep medical expertise means that we’re able to have meaningful conversations with underwriters in regards to specific components of your medical history to ensure you get the coverage you need.
With us, you’ll access more than just our expertise. We pride ourselves on valuing personal relationships, and ensure that you’ll have a dedicated point of contact for the duration of your policy. Each year we’ll check in on you to ensure your policy is evolving in line with your career and personal circumstances — and we are, of course, always there for any questions that may come up in-between.
We’re here to translate the jargon.
Our goal is for you to have a complete understanding of your policy, i.e. what you’ll be paying each month and what your coverage actually is. We know how confusing the terminology can be, and are here to simplify the process.
We live and breathe the fine print.
We’re here to interpret your policy, so there are no surprises down the road should you need to make a claim. The medical background of our team gives us an unmatched ability to advocate for you around standard exclusions.
We know you’re unique.
We don’t use quote calculators because we don’t believe that you benefit from a quote compiled by an algorithm. Our focus is on personalized care and ensuring a solution that fits your individual needs.
Our mantra is to empower, not sell.
We’re brokers, not agents, meaning we’re not beholden to a particular insurance provider (and therefore not incentivised to push you one way or another). Choosing a policy is an important life decision and we want you to feel confident in your choice.
Disability Insurance
Disability insurance is a plan that will ensure you continue to receive a portion of your income, should you become physically or cognitively unable to fulfill the requirements of your specific job.
It can be easy to think that the only people at risk of these types of severe injuries are extreme sports enthusiasts, elderly people, or simply “others.” However, accidents can happen to anyone. In the extremely unfortunate circumstance that you find yourself in a situation like our CEO did—no longer able to practice the profession you were educated and trained for—an appropriate disability insurance policy would kick in and help you meet your expenses. This type of policy would allow you and your family to continue your standard of living and would give you the freedom to recover (and possibly retrain) without financial stress.
You can learn more about disability insurance on our Insurance 101 page, and schedule a 45-minute consultation if you’d like personalized guidance in selecting a policy.
Don’t just take our word for it
Life Insurance
Like disability insurance, life insurance is something most people don’t believe applies to them (surely it’s just for the elderly?).
However, your death or your partner’s death could be financially as well as emotionally devastating for your family. Many are forced to hastily sell off important assets, such as the family home, to make ends meet. Life insurance allows you to spare your family from the stress of making tough, life-changing choices such as these in a time of grief.
Life insurance can also benefit you while you’re still alive; certain types of life insurance have a cash value that can grow and serve as equity. Depending on the policy, you can use the cash value of the policy as collateral for a loan or even withdraw the money outright. Life insurance can help you now — and help them later.
To better understand the possibilities, and determine the type of life insurance that could best benefit you and your family, schedule a consultation and personalized quote review.