Start with what matters to you.
Protection starts with the people who depend on you and the commitments you want to maintain. DFM reviews your needs, existing policies and employer benefits before recommending suitable cover.
How DFM helps
We help establish the amount and duration of cover, compare suitable options and explain the recommendation, premiums and important limitations. If you proceed, we support the application and explain the information required.
Personal cover we advise on
What we consider with you
- Income protection: support for earnings if illness or injury prevents you working.
- Life insurance and family income benefit: financial support following an insured death.
- Critical illness cover and personal private medical cover: different forms of support with different policy terms.
Important considerations
These policies address different needs and are not interchangeable. Benefits depend on policy terms, exclusions, underwriting and a valid claim. Keep existing cover in place while any proposed replacement is reviewed.
Your questions
Do I need to know which policy I want?
No. Start with your household, income, commitments and existing benefits. We help identify which needs to address before looking at suitable policies.
Can we review cover I already have?
Yes. We consider existing arrangements and changes to your circumstances. Any proposed replacement needs careful comparison, including changes in terms, cost and underwriting.
General information, not a personalised recommendation.