Our process

Security and peace of mind for you and your family

Safeguarding our clients’ financial future through effective life insurance planning is at the core of our service. Everything we do stems from a deep understanding of our clients’ unique requirements, busy lifestyle and high expectations. We manage the entire process: from the needs analysis and initial private medical screening through underwriting and to plan completion. This is essential, especially in cases of medical or financial complexity, which is common for wealthy individuals.

Our expert professional advisers focus on the health and financial well-being of our clients to provide a tailored personal risk management solution to provide security and peace of mind for wealthy individuals and families. 

Our process makes life easy for our clients.

Information Gathering

We discuss the requirements for cover, basic background and financial information, this helps focus our choice of product and insurer.

Client Medical and Doctors Report

We may require a medical to be undertaken and access medical records. We organise all medicals using our professional and discrete medical screening company.

Presentation of client to Underwriters

Once all relevant documentation and underwriting material is collated we present the client’s case to the most appropriate insurer to secure the best possible terms. Crucially we present this information in a way underwriter’s understand to secure best terms.

Terms Offered

Final terms are then offered to the client for approval, we then arrange final advice documentation and application.

On Risk

The policy goes ‘on risk” and the client is sent all relevant policy documents.

Trust Policy

If appropriate, we work with the client and their advisers to place the policy in Trust. This ensures any subsequent payment is treated in the most tax efficient manner.

Contact Salus today and speak to one of our specialist team about your life insurance requirements.