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Our Philosophy
The highest quality risk advice
Our role is to provide all referred clients with the highest quality risk advice. We provide comprehensive risk evaluations to provide them with a clear picture of their financial risk in their current circumstances, and, where appropriate, work with the other members of their specialist team, to assist them in implementing a cohesive strategy to minimise that risk.
We provide advice across the range of personal protection insurances, namely Term Life, Total and Permanent Disability (TPD) cover, Trauma (Critical Illness) cover and Income Protection. Where appropriate, we also advise on business risk insurances including Group Plans, Keyperson insurances, and insurances to fund Buy/Sell Agreements.
Our key clients are our referring practices
All clients to whom we provide advice have been referred by a professional adviser, either legal, accounting and taxation, or wealth creation.
Our role is to work within a team of specialists drawn together by that referrer to provide the specialist advice their client needs, thereby ensuring that all the client’s financial needs (personal and, where appropriate, business) are met.
Because we specialise in protection insurances, we do not present any conflict of interest to the other trusted members of that client’s specialist team.
Educate and Inform
All the documentation provided by CRA is based on the premise of open accountability. Our plans provide the client with detailed but simple explanations and evaluations, and are designed to provide ongoing education about the valuable role their risk strategy plays in securing a planned financial future. They are intended to be an initial and ongoing resource for the recipient, rather than a complex document that merely meets FSR compliance requirements.
Systems and Processes
Our business is systems and process driven. We are able to comprehensively track all client referrals and insurance applications. We provide detailed and up-to-date summaries of our clients' risk strategies, and our priority is to ensure that our referring professionals are very much in an information loop.
As a business we have invested in the resources of a business development manager to assist our referring professionals to protect their clients by identifying potential protection needs. We provide ongoing training and development to assist them in this regard.
