The Financial
Advice Process.

• Provide you with their Disclosure Statement outlining their qualifications, what products and services they can provide, and how they get paid.
• Understand your needs by gathering personal information about your current financial situation, including helping you identify your future requirements, goals and sensitivity to different levels of risk.
• Prepare a written recommendation that identifies possible financial and/or risk management solutions that will help enable you to meet your identified requirements and goals.
• Present their advice and explain to you their written recommendations. They will also explain any risks and costs associated with the recommended strategy and you’ll agree on either the recommended approach or a variation to the recommendation.
• Implement your financial plan in place, overseeing the completion of any application forms and documents that may be required.
• Review your plan periodically to help ensure it keeps up with changes in your life.

Your application
Sometimes when you are applying for cover, especially Life insurance, the insurance company may have additional questions or need extra medical or financial information. In such instances they may call you directly, or we’ll contact you to follow up. It is also important that you ensure full disclosure of all required information to avoid any issues with your application or if you need to make a claim later. If in doubt ask.