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The challenge

A couple with two young children had collected several insurance policies over the years, some through work and some bought on their own. Nobody could say what was actually covered, and they had no will or guardian named for the children.

Our approach

We reviewed every policy and found that they overlapped in some areas and left real gaps in others. We replaced them with a single term life plan for each parent, sized to cover the mortgage, daily costs and future education.

We then helped them draft wills, name guardians and set up a simple trust so that any payout would be managed for the children rather than handed over all at once.

The result

The family now has three times the cover for roughly the same monthly premium. Every policy, beneficiary and document sits in one place, and both parents know exactly what happens if something goes wrong.