Protecting her clients’ financial interests, in the case of serious illness, accident or death is paramount.

Lyn’s clients will need different levels and types of insurances during their lifetimes.

For example, when their children are young and their level of debt is relatively high (compared to the value of their assets), they will typically need a higher amount of death, total and permanent disability, business expenses and critical illness insurances. Income protection insurance is also a vital component of how clients can manage the risk of not being able to earn their income due to illness or injury.

However, as the clients move from this stage of life to where their children become financially independent and their level of debt reduces, Lyn regularly reviews their personal insurance needs accordingly.