Life, disability and health insurance – nobody wants to think about it, yet its probably one of the most important decisions you can make to ensure your family will have financial security when one of life’s risks occurs – death, accident or serious illness.   KSL Insurance has been in the business of managing financial risk for over 40 years by ensuring that families and businesses have the correct insurance strategy and products for their circumstances. KSL Insurance’s founder and senior adviser Kevin Seque says, “Most people own insurance but don’t know what they own until they have a claim.”   Do you really understand your insurance programme? This is where KSL Insurance’s expertise comes in.  With a combined 70 plus years of industry experience and a sound understanding of complex insurance policy issues, KSL Insurance’s advisers will take an ‘audit’ approach to your situation.   What is involved in an ‘insurance audit’?   1. Gaining an understanding of the client’s current financial and personal situation. 2. Reviewing the client’s existing insurance programme and making recommendations for improvement or retention. 3. Implement recommendations that are acceptable to the client. 4. Regularly reviewing the client’s situation, having regard to changes in their personal and financial circumstances. 5. Managing claims for clients.   Our core value is ensuring good outcomes for clients. This is why we place importance on meeting regularly with clients to understand their current situation and make adjustments where appropriate. Through lifelong relationships with our clients we build flexible insurance programmes that are sustainable and suitable for their current and future needs that meet a claim when claims arise. KSL Insurance is a member of the Maurice Trapp Group with access to a broad range of financial services including advice on group schemes, investments including KiwiSaver, mortgage lending and home, contents and business insurance.