Insurance planning:
build a shield for those you love.
Before even thinking about making capital grow, I must ensure that no unforeseen event can compromise it. Protecting your health, your profession, and your family from serious events is the essential starting point for investing without stress.
The principles of Independent Risk Management
Catastrophic Risk Coverage
I prioritize risks that you could not financially bear alone (permanent disability, premature death with dependents). I avoid spending money on covering small, manageable risks.
Audit and Elimination of Duplicates
I analyze existing policies. I often discover double coverages sold by different operators (e.g. overlapping occupational and private accident policies) and eliminate them to save you money.
Independent Selection
I do not receive commissions on the recommended policies. This allows me to freely seek the best and most cost-effective solutions on the market (pure open architecture).
Insurance Planning Flow
A clear 5-step path to defend your lifestyle and protect those you love in total peace of mind.
Risk Mapping
I identify unforeseen events that could threaten you, your family, or your professional activity.
Policy Audit
I analyze existing insurance contracts to verify costs, deductibles, and exclusion clauses.
Requirement Calculation
I define the precise capitals to be insured based on your income, outstanding debt (mortgages), and family unit.
Optimization
I point you to the most suitable policies on the market, free from conflicts of interest, to offer you maximum protection.
Periodic Review
I monitor coverage adequacy annually based on changes in your life needs.
Required Insurance Capital Simulator (TCM)
Protecting your family means securing their standard of living in case of serious unforeseen events. Calculate the ideal coverage (Term Life Insurance - TCM) based on your real needs.
Debt Extinction Coverage
€ 120,000
Family Support (70% income)
€ 245,000
Total Recommended Insurance Capital
€ 365,000
Estimated Indicative Monthly Premium
€ 22 / month
A pure Term Life Insurance (TCM) policy costs much less than you think. Avoid "mixed" or "investment-linked" policies proposed by banks, which are inefficient and expensive.
Frequently Asked Questions on Insurance Protection
Why do insurance planning with you instead of my insurance agent? ↓
Your insurance agent sells policies and is paid commissions by the insurance company, which creates an incentive to sell you as many contracts as possible or the most profitable ones for them. As a fee-only independent advisor, I am paid only by you to analyze your risks objectively. I have no products to sell: if you need a policy, I explain what to buy and where to find it at the lowest price; if you don't need it, I save you an unnecessary expense.
Which insurances are truly necessary for a family? ↓
The absolute priorities are coverages against catastrophic events: Third Party Liability (Family Liability) to protect against massive compensation claims due to damage to third parties; Term Life Insurance (TCM) if there are children or mortgages to guarantee the economic survival of survivors; and an Accident/Illness policy to cover Permanent Disability, which would compromise the ability to earn income forever.
What is over-insurance and why is it a problem? ↓
Over-insurance occurs when you take out multiple policies on the same risk (e.g., two health policies). By law in Italy, it is not possible to profit from a claim: in the event of damage, you will be compensated only for the actual damage, you will not receive double sums. Consequently, paying two insurance premiums for the same risk is a waste of money that an independent audit aims to eliminate immediately.
Protection is the foundation of wealth
Once risks are locked down, I can proceed calmly with capital growth through efficient investments. Discover how to integrate protection into a comprehensive plan.
Discover 360° Financial Planning →Secure your financial peace of mind
Let's analyze your protections together. Reduce unnecessary premiums and lock down the coverages that count.