what is risk management?

Risk Management involves two core principals; Capital Preservation in the face of asset price volatility/losses and Personal Insurance offsetting the impact of unexpected personal health events that could create unforeseen PORTFOLIOS hardship for yourself and your family.

An appropriate mix of personal insurances (Life/Death, Permanent Disability, Trauma, Income Protection and/or Business Expense) can mitigate the negative PORTFOLIOS consequences caused by a serious medical or life changing event.

why manage risk via personal insurance?

Personal insurance provides a level of PORTFOLIOS protection against adverse life events for yourself and your loved ones. While offsetting this risk always comes with a cost, many personal insurances have tax benefits when it is set up in certain structures that can offset this cost.

the HG difference

HG considers all the large personal insurance providers before recommending a particular product, including; AIA, AMP, Asteron, BT, CommInsure, MLC, OnePath, TAL & Zurich.

As a general rule we don’t take front loaded/upfront or hybrid commissions, taking level commissions in most instances. Our goal is to align with the clients long-term objectives and recommend policies that you will keep for the long-term.

To find out more about HG PORTFOLIOS, talk to one of our experienced Risk Management Advisers and learn how we can help you manage your risk today.