Brennen Lewis – Xclusive Insurance Ltd

When it rains it pours, my family knows this well. When my Wife was 10 years old her Father passed away, he had recently lost his job and the family made the decision to cancel their insurances. Unfortunately this decision left them in hardship and her mother was forced to be a working single mum. This impacted heavily on the the family’s lifestyle, which has taken years to recover from.

My wife’s family story has always resonated with me and was a driving force behind my decision to start Xclusive Insurance. I now have a comprehensive plan for my own family and enjoy working with people to assist them in building their own.

Services

Personal Risk Management

Your health is your most important asset. When it fails you there are many consequences, all of which are avoidable with a comprehensive plan. We work with you discussing situations when your health can fail you and how you wish to deal with the consequences, it’s important to establish what your needs are and which of those you want to plan for.

Key situations we’ll discuss are:

• How you intend on accessing treatment?
• How do you want to recover form a major illness such as Cancer or suffering a Heart Attack
• What is your plan if you can no longer work and earn an income?
• What are the consequences if you can never return to your job again?
• What are the consequences on those left behind after your death?

Business Risk Management

As with a Personal Risk Plan, your Businesses Risk Plan addresses the “what if” if your health was to fail you. When discussing your business, your abilty and your key staffs ability to work in the business is its most important asset. We will work with you, your business partners and trusted advisers in discussing the needs of the business when the health of you or a key staff member fails.

Key situations we’ll discuss are:

• What debt does the business have, are there any Personal Garuantees?
• What effect does losing a key Staff member have on the business?
• What expenses will remain if you or a key staff member is unable to work for a long period of time?

Business Succession

When a businesses owner exits their business, how will they realise the capital they have built over the years? This is just one of many questions business owners must ask themsleves and is a great start for when we want to understand what the intentions of the business owners we work with are. We work intensively with our business clients, their business partners, and trusted advisers to ensure that a plan is in place for when they exit their business at their choice or if forced upon them.