Risk management is the process of identifying what particular areas of life risk you may be exposed to, quantifying these risks in monetary terms and understanding their consequences and working out how best they can be managed.
Common life risks can be those of premature death (does anyone else depend on you and how will they cope if this happens?), disability (how will you replace your regular income or find the money to settle debts) or trauma (how will you be able to afford extra medical bills and possible lifestyle changes?)
You may find that some of these risks can be most cost-effectively managed by using insurance and that you are already self-insured to some extent depending on your situation. You may already have some insurance cover in place. Whatever your situation we can assess your needs, review what you may already have done towards meeting these needs, make recommendations where necessary and implement any new or additional insurance cover you choose to secure the future for you and your loved ones.