Who we help
The right product depends on where you stand.
A policy that is right at thirty is rarely the one you want at sixty. These are the three situations Franca sees most, what tends to press on each, and the cover that usually fits.
Ages 25–55
Young families
Income protection, mortgage protection, and building something for the children.
What tends to press
- A mortgage that outlives one income
- Childcare and school costs already at their peak
- Little accumulated savings to fall back on
The common mistake
Relying only on cover provided through an employer. It usually ends the day the job does, and it rarely amounts to more than a year or two of salary.
Ages 25–65
Professionals & business owners
Wealth accumulation, tax-advantaged growth, and legacy planning.
What tends to press
- Income high enough that tax treatment starts to matter
- A business that depends on one or two people
- Wanting money to pass on without becoming a burden
The common mistake
Treating protection and investing as separate problems, and ending up with cover that stops exactly when the estate becomes complicated.
Ages 50–75
Pre-retirees & retirees
Final expenses, legacy planning, and leaving money to loved ones.
What tends to press
- Funeral and burial costs falling to the family
- Wanting to leave something specific to specific people
- Health changes making new cover harder to obtain
The common mistake
Waiting. Premiums rise with age and underwriting gets stricter, so the same cover costs meaningfully more each year it is put off.
Not sure which you are?
Most people sit between two.
That is normal, and it is exactly what the consultation is for. Bring your situation — mortgage, dependants, what you already have through work — and Franca will tell you plainly which of these you are closest to.
Let’s build a brighter future together.
A 30-minute conversation costs you nothing and tells you exactly where you stand.