Solve What Matters: A New Way to Think About Insurance

Insurance is often viewed as a product. But when does it become a strategic planning tool? Host James Atherton, Managing Director | Private Wealth, sits down with Samantha Findlay, Managing Director | Insurance at Nicola Wealth, to explore insurance not as a product, but as a tool for providing flexibility when it matters most. Together, they unpack how to evaluate term versus permanent coverage, when insurance truly adds value to a financial plan, and the key questions to ask, especially for business owners navigating succession and continuity planning. You'll hear: • The difference between term and permanent insurance • How insurance can provide the flexibility to simplify your estate • Real-life examples, from family cottages to business succession • How insurance can help preserve family harmony and avoid forced asset sales • The key questions to ask before accepting any recommendation If you've ever wondered whether insurance is essential or simply overcomplicating your plan, this episode will help you cut through the noise and see when it genuinely adds value.