Protect what matters
Life & Risk
Understand the financial impact of life’s uncertainties and consider protection in the context of your wider plan.
Who it may be relevant to
Different needs, considered in context.
- Income earners
- Families with dependants
- Business owners
What to consider
Questions this service can help you explore.
- Others rely on your income
- Your responsibilities have changed
- Existing protection has not been reviewed
How PWG can help
What we work through together.
- 01
Identify material financial risks
- 02
Review existing arrangements
- 03
Connect protection to your broader plan
This page provides general information, not personalised financial, legal or tax advice. Any recommendation is subject to an appropriate advice process.
What to expect
How the conversation usually runs.
No step is a commitment. You decide what happens next at every stage.
We identify who depends on your income and how your responsibilities have changed.
We review the protection you already have, including through work or existing policies.
We consider the gap, and which scenarios matter most to you.
We agree what to change, with whom, and when it should be reviewed again.
Before you come in
What is useful to have ready.
Rough figures are fine. Nothing here is a condition for starting the conversation.
- Who depends on your income, and for how long.
- Your current life, disability and income protection, if any.
- Your income, monthly commitments and existing debt.
Who you may speak to
PWG team members working in this area.
Chris Snyman
Director | Key Individual | Risk & Wealth Planner
- Risk Planning
- Wealth Planning
Ian Kleingeld
Director | Key Individual | Risk & Wealth Planner
- Risk Planning
- Wealth Planning
- Insurance Solutions
Common questions
Questions people ask about life & risk.
What is life and risk protection for?
It is about the financial consequence of events that could interrupt your income — death, disability, severe illness or unemployment — for the people and commitments that depend on it. The question is not how much cover to buy, but which disruptions would hurt most and by how much.
When should protection be reviewed?
Whenever responsibilities change: a new dependant, a new home with a bond, a promotion, a business venture, a separation, or a change in income. Cover that was appropriate two years ago rarely describes your position today.
Do you only consider policies held through PWG?
No. Your existing arrangements, including employer benefits and policies held elsewhere, are reviewed as part of the picture. The point is to understand your total position, not to move everything to one provider.
Would you like to discuss this?
Tell us what you need help with. This is a request, not a confirmed appointment.