What your household would need
The total it would take to keep everyone where they are if your income stopped — income replacement, debt, and final expenses added up honestly.
Protect
The free review
A conversation about your numbers, not a sales appointment.
A Financial Needs Analysis is the step most people skip and most sites gloss over. It maps what comes in, what goes out, what you owe, and what protection you already hold, and it ends with one thing: the gap between where you are and where you would need to be. That is it.
It is the front door to all three pillars. Before anything is protected, built, or handed on, this is where you find out which of the three you are actually standing on. It costs nothing, carries no obligation, and the numbers are yours to keep either way.
What happens
Four stages, about an hour in total.
- 01
A short call first
15 minutes · free
Enough to understand roughly where you stand, and for you to decide whether the full 45 minutes is worth your time. If it is not, you will hear that here.
- 02
Income, outgoings, debt
About 15 minutes
What arrives each month, what leaves, and what is owed. Estimates are fine at this stage — getting the shape right matters more than precision to the dollar.
- 03
What you already have
About 15 minutes
Existing coverage, including anything through an employer, and what happens to it if you change jobs. This step regularly turns up coverage people forgot they had, and coverage they assumed was portable and is not.
- 04
The gap, written down
About 15 minutes
Both sides put together. You leave with a number for what your household would need and a number for what is currently uncovered — on paper, in plain figures.
What you leave with
Three plain numbers, and a clearer head.
The point is not to sign you up to anything. It is to hand you something most households have genuinely never seen: their own position, written down.
What you already have
Every policy and benefit you currently hold, including the ones through work that may not follow you, gathered in one place.
The starting line
The gap between them
The difference, in a single figure. Sometimes it is large. Sometimes it is zero, and that is a genuinely useful answer to walk away with.
Your decision
Bring
Useful, but not required.
- A recent pay stub, or a rough monthly take-home figure.
- Any existing life insurance documents, including a work policy if you have one.
- A rough mortgage balance and any other debt figures.
- An idea of who depends on your income, and for how many more years.
Boundaries
What this is not.
This is an educational conversation about protection and income needs. It is not personalised investment advice, and it is not tax, legal or estate planning advice. Crest Financial is not a registered investment adviser and will not pretend to competence it does not have.
Where a question belongs with a tax professional or an attorney, you will be told that rather than handed an answer that merely sounds confident.
Straight answers
Before you book.
What is the catch?
There is not one, but there is an incentive worth naming: Crest Financial is an insurance practice, and if the review turns up a gap we can help with, we will say so and would earn a commission if you took out a policy. If it turns up no gap, we earn nothing and will tell you that just as plainly.
How long does it really take?
A 15-minute call first, then about 45 minutes for the review itself. It can be split across two shorter sessions if that suits you better.
Do I need to bring documents?
Not to start. A recent pay stub and any existing policy documents make the numbers sharper, but estimates are fine and can be refined later.
Will you try to sell me something on the call?
Not on the first call. There is no responsible way to recommend a product before the situation is understood. Understand first, then discuss whether anything even fits — that order is the whole point.
I am supporting family in another country. Can the review handle that?
Yes, and it is a large part of why the practice exists. Obligations in two places at once, money moving across borders, and family expectations that no standard worksheet accounts for are treated as the starting point, not an awkward footnote.
What if I say no at the end?
Then you are done, you keep the numbers, and you will not be chased.
Book the first 15 minutes.
Free, no obligation, nothing to prepare.