Insurance Planning
Insurance planningfor owners and professionals
Own-occupation disability, life, and income protection reviewed against the full carrier marketplace, as AVMA representatives.
The review
Where coverage usually goes wrong
Most people are carrying coverage that is too small, too large, or written on definitions that were never matched to how they actually earn a living. The review establishes which of those applies, policy by policy, before anything new is recommended.
| Coverage | Underinsured | Overinsured | Wrong fit |
|---|---|---|---|
| Own-occupation disabilityDefinitions matched to how you actually earn a living. | |||
| Term lifeThe right amount and the right term for your dependents. | |||
| Income protectionCover for the paycheck the rest of the plan depends on. | |||
| Business-linked exposureWhere personal and business risk overlap for an owner. |
Illustrative pattern. Your review is built from the policies you currently hold.
What we look at
Coverage types we review
Own-occupation disability
The definition that matters most for a working professional, and the one most commonly missing.
Term life
Sized to obligations that change over a career rather than set once and forgotten.
Income protection
Cover for the income the rest of your financial plan is built on.
AVMA marketplace
Access to AVMA Insurance alongside the wider carrier marketplace.
Full marketplace
We compare across carriers rather than presenting a single product line, and we tell you where the differences actually matter.
Reviewed as you go
Coverage is revisited as obligations change, because the right plan for a resident is not the right plan for an owner.