Risk management is a process that prepares the family and loved ones in case any of the event arises, i.e. unforseen illnesses, death, or tragedies.
Questions we help you answer
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Are you paying too much for your insurance premium?
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How do you establish the appropriate amount of insurance coverage?
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Can your family survive financially, if you fall sick or pass away?
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When was the last time you reviewed your medical insurance plan?
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Did you know that you have the option of Hibah for your Takaful insurance to be handed over to your chosen candidate?
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In the event of fire, natural disaster or burglary, do you have a sufficient Houseowner, Householder insurance to pay for your losses?
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Although my employer provides me with life insurance, should I buy more?
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Based on my age and family situation, would a Term Insurance or a Permanent Life Insurance be a better fit for me?
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What are the tax benefits of me owning an insurance policy?
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What are the ways I can save money without affecting the coverage provided?
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Does this policy include protection against inflation?
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Will the premium increase and, if they do, what options do I have to prepare for these rising costs?
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In the case of a long-term care insurance, does this policy provide comprehensive benefits for both home care and nursing home care?
Our approach
Major changes occur over a lifetime, including marriage, childbirth, divorce and death, among others. Your employment could also likely change during your career, resulting in a shift of lifestyle and expenses.
To help provide coverage and peace of mind for these “what ifs,” Alpine Advisory Management can provide a review of your existing insurance policies and provide recommendations for necessary coverage options.
Having the perspective of your holistic financial plan, unique goals and needs, we can help identify potential gaps and determine if you are over- or under-insured with life insurance, Medicare and health insurance, disability and long-term care protection.
As changes occur in your career or family, you will have some questions regarding your current coverage and we can help you answer these critical questions such as:
Proper insurance planning means covering for the “what-ifs” in life so that you can have a peace of mind that your family is well taken care of should something happens to you. Whether it is protecting the home you have worked so hard for, the potential liability of creditors and predators in a liability lawsuit, the loss of employment due to disability, or the catastrophic loss of life, we are able to help ensure our clients have a “what-if” plan that not only covers their current needs, but help to manage what most people perceive to be a liability into an asset on their personal balance sheet.
Would you benefit from a review of your insurance coverage and needs as it relates to your holistic financial picture?
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How we work
1
Discover
We listen first: your goals, family, commitments, and current position.
2
Plan
Your licensed planner builds a written plan with clear, prioritised recommendations.
3
Implement & review
We help put the plan to work and review it with you as life changes.
Learn more about our services and plans, or start the conversation today: call 03-6206 5488 (office) / 012-398 8533, or reach us through the contact page.
Important information
The content of this page is general information about our services and does not constitute an offer, a recommendation, or personalised financial advice. Financial planning and investment involve risk, and outcomes are not guaranteed. Please speak to one of our licensed representatives before making any financial decision.
