HOLISTIC LIFE & RISK PLANNING PROCESS

• Client Profiling:  We begin by understanding you - your lifestyle, goals, family structure, and future aspirations.
• Financial Mapping:  We assess all assets, liabilities, income streams, and obligations.
• Risk Assessment:  We identify potential risks in every aspect of your life, including health, property, investments, business, retirement, and dependants.
• Life Event Forecasting:  We plan for significant milestones such as marriage, children, property purchases, business growth, retirement, and succession.

• Tailored Solutions:  Based on the analysis, we develop strategies that combine insurance, investments, retirement, and estate planning.
• Coverage Optimisation:  Every risk and liability is addressed, ensuring comprehensive protection - from personal and medical coverage to property, business, and liability risks.
• Scenario Planning:  We model various life and market scenarios to ensure your financial strategy is resilient under changing conditions.

With Sentius, implementation is more than placing policies - it's about turning strategy into tangible protection and lasting peace of mind, ensuring your wealth, health, and legacy are safeguarded at every stage of life.

• Strategic Placement:  We carefully select the right instruments - from short-term insurance and medical aid to retirement, investments, and estate planning solutions- ensuring your portfolio is fully protected and aligned with your goals.
• Portfolio Consolidation:  Where appropriate, we consolidate solutions to simplify management, reduce gaps, and maximise efficiency across all aspects of your financial life.
• Integrated Coordination:  We liaise with trusted partners - legal, tax, accounting, and financial specialists - to ensure all elements of your plan work together cohesively.
• Personalised Execution:  Each solution is tailored to your circumstances, guaranteeing coverage for every risk and liability while maintaining flexibility for life's changes.
• Ongoing Oversight:  Implementation is not the final step.  We continuously monitor and coordinate your portfolio to ensure it remains relevant, effective, and responsive to any shifts in your life or market.

With Sentius, implementation is more than placing policies - it's about turning strategy into tangible protection and lasting peace of mind, ensuring your wealth, health, and legacy are safeguarded at every stage of life.

• Regular Reviews:  Life and markets change - we proactively review your portfolio and coverage to ensure ongoing alignment with your goals.
• Claims Support:  In the event of an insured event, your needs come first.  We guide you through the process to ensure swift, fair, and hassle-free claims.
• Adaptation & Growth:  We continuously adjust strategies for new opportunities, changing liabilities, or evolving personal circumstances.