Introducing
Protect today. Plan for tomorrow. Leave a lasting legacy.
Your family’s future should not depend on a collection of unrelated policies. The Legacy Strategy looks at how life cover, retirement savings, estate planning and optional savings for children could work together. It is a flexible planning approach, not a compulsory package. We assess which parts are suitable and affordable for your circumstances.
It is a flexible planning approach, not a compulsory package.
01
This part of the strategy considers a separate life policy for each parent, with the spouse usually nominated as beneficiary. The aim is to help the surviving spouse manage household expenses, debts and other financial commitments. Where a suitable insurer offers it, we can explore structuring premiums to end at age 65. This is not available or appropriate in every case, and the actual premium term, cover duration, exclusions and benefits depend on the policy selected.
02
This part of the Legacy Strategy is designed to provide lasting financial security for your children.
Through a joint life insurance policy, your cover increases by 9% annually, while your premiums increase by just 5% per year.
When the first parent passes away, premium payments stop, but the life cover remains in place. When the second parent passes away, the policy pays out to the nominated beneficiaries, creating a lasting financial legacy for your children.
The annual increases, premium cessation and payout benefits are subject to the selected insurer's policy terms and conditions.
03
Your family’s financial plan should also provide for your own retirement. A retirement annuity can help you save regularly towards income after you stop working. We use age 65 as a possible planning milestone, but the right age and contribution depend on your goals and circumstances. Investments can rise or fall, and tax and access rules apply.
04
If your budget allows, a tax-free savings account may help you invest towards a child’s long-term future. It is an optional extra, not a requirement of the Legacy Strategy. An account in a child’s name belongs to that child, and the annual and lifetime contribution limits apply to the child separately. Investment returns are not guaranteed.
05
A Will tells the people you leave behind how you want your estate handled. It can identify heirs, an executor and arrangements for minor children. Our guided Will application helps collect the information for a draft, but the draft must still be reviewed, correctly signed and witnessed before it can become a valid Will. We also consider whether your estate may have enough cash to meet expenses.
These elements are designed to be considered together, but not every element will suit every household. Explore the information first, or request a conversation with our team to discuss whether a personalised financial planning process would help.
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