Under this section, a survivor needs analysis is performed to establish the required amount needed in the client’s estate to ensure his dependents are sufficiently provided for.  The amount insurance required for death is established after taking into account of the client’s existing insurance, net asset but excluding personal use assets and residential home.

In addition to the above, we will check to ensure the client has already insured himself for disability income, critical illness, health insurance, liabilities (mortgage) and long-term care insurance.