DESIGN IS KEY
If an insured benefit is becoming too expensive, or isn’t delivering what you expected, we’ll help you de-construct it to gain a clearer understanding of your design and pricing options.
There’s not a lot to be gained by renewing a scheme that isn’t fully meeting your needs. So, before we ask any insurers to quote, we’ll produce a detailed plain English summary of the strengths and weaknesses of your current contracts – giving you valuable information about
- Gaps in cover, and where you might be over-exposed
- Changes in legislation
- New plan designs
- More tax-efficient ways to structure things
Our consultative approach always focuses on what will work best for your circumstances and your business. Feedback tells us our customers feel better informed and more confident to make changes as a result of this process.
"We were able to fly one of our employees home in Business Class when he was too ill to make his original flight."
Conrico International Limited
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Fulcrum helps independent financial advisers who aren’t insured benefits experts to deliver a more complete service.