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.
“With our previous provider, I always felt like ‘just a number’ calling them with any queries – whereas an expert outfit like Fulcrum offers personalised service. After meeting them, we discovered there is much to insurance plan design which can impact massively on premiums”.
Alastair Lamond – Managing DirectorLamond & Murray
Are you an IFA?
Fulcrum helps independent financial advisers who aren’t insured benefits experts to deliver a more complete service.