Life Insurance With a Weight, Smoking or Alcohol History
Cover for You and Your Family With a Weight, Smoking or Alcohol History
An application for life, TPD, trauma or income protection usually asks about your height and weight, smoking or vaping, and alcohol. We help you read what each question counts, apply with care and review any smoker rating or loading.
Our Financial Advice Team Is Here to Help You
We Can Help You
- Match the smoking question on an insurance application to exactly what you smoke, vape or use
- Set out any change in your weight, and the reason for it, by date before an insurance medical
- Answer the alcohol question on an insurance application in the drink measure the form itself defines
- Request a BMI pre-assessment from an insurer that offers one, ahead of a formal cover application
- Go over any smoker rate, BMI loading or exclusion in a cover offer before you decide
- Prepare a request for non-smoker premium rates if you now meet the insurer’s definition
- Ask your insurer to review any BMI loading on a policy you hold after sustained weight loss
- Check whether any super fund has classified you as a smoker for its default insurance
- Compare any default cover through super with new cover that asks the weight and smoking questions
- Take a claim to the insurer with you, with any weight, alcohol or smoking exclusion read first
Who We Help
- Adults with a higher BMI including a muscular build the measure can misread
- Adults with a lower BMI and questions about what an insurance medical records
- People on weight-loss medicine prescribed by a doctor, unsure how a form asks about the change
- Anyone after weight-loss surgery such as a gastric sleeve, bypass or band
- People who smoke, even socially and want to know exactly what the smoking question counts
- Anyone using vapes or pouches or nicotine gum and patches, unsure where they fit on a form
- Those who have stopped smoking or vaping, and are wondering about non-smoker premium rates
- Anyone told about fatty liver after a routine blood test or scan
- People with past drug use or past alcohol dependence, including any treatment or support
Weight, smoking and alcohol history
Your Situation First, Then What Each Question Counts
What We’d Talk Through With You
- A weight above the healthy range: your height and weight, any recent change, and any related results such as blood pressure or blood sugar
- A weight below the healthy range: your weight over time, any reason your doctor has found for it, and any tests or follow-up
- A recent change in weight, including on prescribed medicine: your weight before and now, the reason for the change, and any medicine or doctor overseeing it
- Weight-loss surgery, such as a gastric sleeve, bypass or band: the type of surgery and when, your weight before and since, any complications, and any time off work
- Fatty liver disease (MAFLD or MASLD): how it was found, any liver test or scan results, and any related conditions your doctor monitors
- Smoking cigarettes, cigars or a pipe, even socially: what you smoke, how often, and if you’ve stopped, when you last smoked
- Vaping, nicotine pouches, gum or patches: what you use, whether it contains nicotine, how often, and when you last used it
- Advice from a doctor to cut down on alcohol: when the advice was given, whether and how much you drink now, and any liver or other test results
- Past alcohol dependence, including any treatment: whether and how much you drink now, when things changed, any treatment or support, and any liver results
- Alcohol-related fatty liver disease: the diagnosis and when, your recent liver results, whether and how much you drink now, and any specialist follow-up
- Past drug use, including cannabis: which drugs, when you first and last used them, how often, and any effect on work or health
- Past drug dependence, including any treatment: how long since any use, any treatment or counselling, any related health conditions, and your work since
Not every situation is listed here, and none of them settles anything on its own. Your own details come first, and the insurer makes any decision on cover.
What we advise on
Where Weight, Smoking and Alcohol Come Up in Each Cover
What Underwriters Look At
How might your weight, smoking or drinking history come into an application for cover?
Learning what each question means before you apply can help you give clear, accurate answers from the start.
We’ll start with the measurements and history an application asks about, and the definition behind each question.
Moneysmart lists “smoking and lifestyle” among the things life insurers usually ask about. The questions can look alike from one insurer to the next, but the definitions behind them can differ, such as what counts as smoking or as a drink. The underwriter decides on cover and any terms.
What an application may ask about:
- Your height and weight, plus any waist and hip measurement taken at an insurance medical
- Any recent change in your weight, with your former weight and the reason for the change
- Weight-loss surgery such as a gastric sleeve, bypass or band, with the date and any complications
- Anything you smoke or vape, and whether nicotine or any other substance is part of what you use
- The date you last used any cigarette, vape, pouch, gum or patch containing nicotine
- Standard drinks per week, counted the way the application defines a drink rather than by the glass
- Any advice from a doctor to cut down on alcohol, and any treatment or support group since
- Liver function or fatty liver findings from routine pathology or ultrasound, with when each was found
Life Insurance
What would be left for the people you care for if you passed away?
Money for the people you care for can be left through life insurance, as a lump sum paid to your beneficiaries.
We can show you how a life application reads your weight beside related results, and where smoker status is priced in.
Life insurance can pay a lump sum if you pass away. Moneysmart notes that insurers set premiums based on age, health, job and lifestyle, and smoker status can be part of the price of life cover. Depending on your age and the amount of cover, an application’s medical tests can include a blood test that looks at liver function.
What we go through with you for life cover:
- Your BMI as one input among several in life underwriting, read together with your other health results
- Muscle as well as weight, since BMI alone can misread a strong build, set out clearly for the underwriter
- Smoker or non-smoker rates on a life quote, matched against the insurer’s own smoking definition
- Liver function results from an application blood test, which can form part of a life assessment
- Exam requirements for life cover, which can vary with your age and the amount of cover you apply for
- Any diagnosis of alcohol-related liver disease, set out for life cover with its date and your latest results
- Past drug use, including cannabis, described for a life application with dates of first and last use
- Weight-loss surgery on a life application, with your weight before and since and any follow-up care
TPD Insurance
If you could never go back to work, what would keep everyday life going?
A TPD lump sum can help with everyday costs without regular pay, if you can’t work again, as the policy defines it.
We can set your work against the TPD definitions, and the questions a TPD application can add on weight and drug use.
A TPD benefit is a lump sum paid when illness or injury leaves you unlikely to work again, under the policy’s definition. That definition can be tied to your usual occupation or to any work matching your education, training or experience. At least one insurer’s underwriting guide lists musculoskeletal disorders, such as back and joint conditions, among the health risks it links with weight.
What we weigh up with you for TPD:
- Any physically demanding duties, set out clearly where weight is part of a TPD application
- Whether past drug use ever affected your usual work, a question in one insurer’s 2021 drug use questionnaire
- Any time off work around weight-loss surgery, set out by date with your duties for a TPD application
- Any alcohol treatment or support in the past, dated and described accurately for a TPD application
- Non-smoker rates on TPD cover, which depend on the insurer’s definition as well as on what you use
- TPD held through super, where the fund’s policy definition decides which work test applies to a claim
- A TPD sum insured sized with you, with any loading for weight or smoking counted in the premium
- Fatty liver found on a routine test, set out with any follow-up for the health section of a TPD application
Income Protection
Over a stretch off work with illness or injury, where could money for the bills come from?
Income protection can pay part of your income after a waiting period, through that time off.
We’ll explain how income protection treats smoker rates, any time off around surgery and any terms an insurer offers.
Income protection can replace part of your income when illness or injury stops you working, within the policy’s waiting period, definitions and exclusions. Smoker rates can apply to income protection as well as to life cover. If an application isn’t accepted on standard terms, the insurer may offer alternative terms, such as an exclusion for the condition or a higher premium.
Points we work through for income protection:
- Weight-loss surgery recovery time away from work, described for income protection with the operation date
- A waiting period chosen with any smoker rate or loading in view, since both shape what income protection costs
- Smoker rates on an income protection quote, read against what you smoke, vape or use today
- An exclusion offered for a weight-related condition, with its wording read for what time off would stay covered
- Any leave taken for alcohol or drug treatment in the past, listed with dates for an income protection application
- Income records for a business owner or contractor, considered alongside any loading for weight or smoking
- Any smoker-rated income protection premium you pay outside super, and its tax deductibility, checked with your accountant
- A fatty liver diagnosis set out with any follow-up tests, for the health questions on income protection
Trauma Insurance
How would the costs of a serious illness be covered without touching your savings?
Trauma cover can pay towards them in place of savings, for a listed condition that meets the policy’s definition and isn’t excluded.
Together, we’ll read the events in a trauma policy and any exclusion offered after the smoking, weight or alcohol questions.
Trauma insurance pays a lump sum for a critical illness or serious injury, which Moneysmart says includes cancer, a heart condition, major head injury or stroke. Moneysmart also lists “lifestyle (for example, if you’re a smoker)” among the questions an insurer may ask for trauma cover. A condition you already have may be excluded on a new policy.
Trauma wording we read with you:
- The smoking question on a trauma application, answered from what you use and the insurer’s definition
- Weight on a trauma application, considered with any blood pressure or blood sugar results on file
- Chronic liver failure, which appears in some trauma policies, read with you in each policy’s exact wording
- A weight-related exclusion on trauma cover, with each listed event checked against the exclusion’s scope
- Fatty liver on a trauma application, set out with how the diagnosis came about and any follow-up
- Past alcohol dependence and any treatment, described with dates for the health section of a trauma application
- How much trauma cover to hold, weighed with you against a premium that includes any smoker rate
- A trauma claim on a policy with a weight or alcohol exclusion, with the wording read together first
Answering the Health Questions
Does your answer always fit neatly into the boxes on a health form?
Not always, and reading the form’s own wording together, records at hand, can help each answer fit what’s asked.
We’ll go through each question with you, so every answer follows the form’s own definitions and your records.
Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. For alcohol, the Australian Government’s standard drinks guide says a standard drink “is always equal to 10 g of pure alcohol”, which can differ from a glass.
The details we work through together, from your records:
- Nicotine replacement such as patches or gum, which at least one insurer treats the same as smoking
- A vape with no nicotine, which at least one insurer’s definition says can be considered for non-smoker rates
- Cannabis, which can fall under a smoking question’s “any other substance” as well as under the drug question
- Prescribed weight-loss medicine, listed under the medication question and again as the reason for any weight change
- Any weekly drinks, converted to standard drinks from the type and size of each rather than counted by the glass
- Medicinal cannabis on prescription, under the medication question and, where the form’s wording reaches it, the smoking question
- How a form defines a drink or a cigarette, worked through with us wherever the wording is unclear
- Dates of any doctor’s advice to cut down, treatment or weight-loss surgery, taken from letters rather than memory
Applying With Help
What comes first when you’re ready to apply, and what might follow?
Knowing the order ahead of time can let you move through each step ready for the next one.
We’ll set out the order of an application with you, from any questionnaire or pre-assessment to any medical exam.
Some steps are offered by at least one insurer: questionnaires on alcohol consumption and on drug use, which may allow a decision without further medical evidence, and a pre-assessment to see whether a BMI loading will apply. Where an insurance medical is needed, it can include height, weight, and a waist and hip check.
How we prepare the application with you:
- Alcohol consumption questionnaires, offered by at least one insurer, which may avoid a request for further medical evidence
- Drug use questionnaires, where offered, with dates of first and last use and any treatment set out first
- A BMI pre-assessment, where available, to see before formally applying whether a weight loading will apply
- What an insurance medical can measure, from height and weight to waist and hip, explained before the appointment
- Timing around weight-loss surgery or a medicine-led weight change, talked through with you before applying
- Any non-smoker declaration an insurer asks for, with the date you stopped and the reason
- Liver results from your GP, requested with your consent when an application asks about fatty liver
- Any smoker rate or BMI loading in an offer, with what each adds to the premium set out for you
Cover You May Already Hold
Is any cover in your name or your super still priced on the right details?
Reviewing how any cover was set up can show whether its price still reflects your details as they are today.
We can check any rating on cover you hold, from a fund’s smoker classification to a loading for weight.
Moneysmart notes that a loading can apply if you’re classified as a smoker, and that “if your super fund has incorrectly classified you, contact them”. If you’re offered alternative terms, the insurer explains what they are, how long they’re meant to apply, and that you can ask for a review if your circumstances change (Life Code 2025, insurers that subscribe).
What we check with you in cover you hold:
- A super fund’s smoker classification on any default cover, checked with you against what you actually use
- A request for non-smoker rates if you now meet the insurer’s definition, with a declaration of when and why you stopped
- Stopping smoking after a change in your health, where at least one insurer says non-smoker rates may not be available
- Any BMI loading on a policy you hold, which at least one insurer says can be reviewed after sustained weight loss
- Cover held from before any weight change, surgery or fatty liver diagnosis, read before anything is changed or replaced
- Raising a sum insured later, where the weight, smoking and alcohol questions can be asked again
- Wording of any alcohol-related exclusion already on your policy, read for the claims affected and those left in place
- Default cover in super, which can usually start without medical checks, and any PDS rule on a pre-existing liver condition
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Weight, Smoking and Alcohol Answers, Worked Through Together
Your Smoking Answer Matched to the Definition
Anything you smoke, vape or use, set against the insurer’s non-smoker definition before you answer.
A Weight Change Set Out With Its Reason
Your weight before and now, and the reason for any change, written down with you by date.
Drinks Counted in Standard Drinks
Any drinks you have each week converted to standard drinks, so the answer matches the form’s measure.
A Fund’s Smoker Classification Checked
How any super fund has classified you for its default cover, checked with you against what you use.
A BMI Loading Put Forward for Review
A review request for any BMI loading after sustained weight loss, prepared with you for the insurer.
A Non-Smoker Request Ready to Send
Your request for non-smoker rates, with the date and reason you stopped, prepared with you.
Liver Results Gathered With Your Consent
Any fatty liver test or scan results requested from your doctor with your consent, ready for the underwriter.
Every Term Explained Before You Accept
Any smoker rate, loading or exclusion in an offer explained in plain words before you decide.
Proactive, Holistic, and Experienced Financial Planning
Applying for cover means answering questions about your health and the way you live, and you deserve to do that without feeling judged. Our first step is to hear about you: your life, the people who matter to you and what you’d like your cover to do. Each question is explained in plain words before you answer, and the details come together at a pace that feels right to you. Whether to apply, and what to accept, is always your decision.
The forms and follow-ups are work we share with you. With your consent, we can request reports from any doctor you see, keep track of anything an insurer asks for and follow it up, so you don’t have to chase it. Someone you trust is welcome to join any conversation. At each step, you’ll know what is happening and what comes next, so you can keep your attention on the life you’re planning for.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your weight, smoking or alcohol history, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
Social smoking can still count. At least one insurer’s own guidance asks applicants to tell it about smoking “even if you are only an occasional or social smoker”, and smoking definitions can name cigars and pipes as well as cigarettes. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart).
We’d want to understand what you smoke, how often and when you last smoked, then read the smoking definition on the application with you before you answer, so your answer matches what the question asks.
Smoking definitions can reach well beyond cigarettes. At least one insurer treats nicotine replacement and other nicotine-containing items, such as patches, gum, vaporisers and e-cigarettes, the same as smoking, and some definitions also include “any other substance”. The same insurer’s definition says non-smoker rates can be considered where what you vape contains no nicotine.
We’d want to understand exactly what you use and whether it contains nicotine, then go through the insurer’s definition with you before you answer the smoking question. If you’ve moved between cigarettes, vapes or pouches, we’ll list each with its dates.
That depends on the insurer’s non-smoker definition, which sets how long you need to have gone without tobacco or nicotine before non-smoker rates can apply, so we’d read that definition with you rather than give a general answer. A non-smoker declaration can ask when you last smoked or vaped and why you stopped, and at least one insurer says non-smoker rates may not be available where someone stops because of a change in their health.
If you hold cover on smoker rates and now meet the insurer’s definition, we can prepare a request to the insurer with you. The insurer decides.
An application can ask your height and weight, and an insurance medical, where one is needed, can include a waist and hip measurement. At least one insurer uses body mass index (BMI) to assess weight against height, and related results such as blood pressure, cholesterol and blood sugar can be considered alongside it. healthdirect notes that BMI “can’t tell how much muscle or fat you have”.
An application can also ask about any recent change in your weight, with your former weight and the reason. At least one insurer offers a BMI pre-assessment before a formal application, and we’ll go through each question with you.
It can add questions. An application can ask whether your weight has changed recently, with your former weight and the reason for the change, so prescribed medicine or surgery becomes part of that answer, as well as any medication question. For surgery such as a gastric sleeve, bypass or band, we’d want to understand the type and date, your weight before and since, any complications and any time off work.
If you’re starting medicine or have surgery planned, the timing of an application is something we’d talk through with you before you apply.
In standard drinks, where the question asks for them. The Australian Government’s standard drinks guide says a standard drink “is always equal to 10 g of pure alcohol”, so one glass or can may hold more or less than one standard drink. An application can ask how many standard drinks you have each week, and whether a doctor has advised you to cut down.
We’d go through the question with you, working from the type and size of each drink rather than a rough count. If a question also asks about any treatment or support in the past, we’ll set out the dates with you from your records.
It can. healthdirect says about 1 in every 3 Australian adults has fatty liver disease, and that it “usually doesn’t cause symptoms”, so a routine blood test or scan can be the first you hear of it. Depending on your age and the amount of cover, an application’s own blood test can also look at liver function.
We’d want to understand how it was found, any liver test or scan results and any related conditions your doctor monitors. From there, we’ll go through the health questions with you and gather any results the insurer asks for, with your consent.
An application can ask whether you’ve used drugs that weren’t prescribed to you, and cannabis can also come under a smoking question that includes “any other substance”. At least one insurer offers a drug use questionnaire, and a 2021 version asks which drugs, when you first and last used them, how often, and about any treatment or counselling.
We’d go through each question with you, using dates and any treatment records, and raise any unclear wording before you answer. The insurer decides on cover.
If you’d like to talk with someone about alcohol or other drug use, the National Alcohol and Other Drug Hotline on 1800 250 015 is free and confidential.
Online quotes are quick to get and can be a useful starting point. If an insurer doesn’t ask for your medical history, it may mean the policy has more exclusions or narrower policy definitions (Moneysmart).
Through a financial adviser, we compare how different insurers treat smoking, BMI and alcohol, and talk through any smoker rate or loading with you. You make the final call on which offer, if any, to accept.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. We can start wherever you are, whether that’s a quote form with a smoking or weight question or a letter about a loading on cover you hold.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. We’ll talk about what you’d like your cover to do, look at any policies you hold and explain the steps an application involves.
You choose whether, and when, to take the next step.
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