Through a tailored protection portfolio we give you and your family peace of mind that your assets are protected. Even the best wealth creation plan will fall apart if your most important asset is not protected: your income.

• If sickness or illness prevents you from working, Income Protection provides you with an ongoing income, even though you can’t work.
• Life Cover pays out in the event of death to cover debts and provide for your surviving family, even if you aren’t around.
• In the event of Total and Permanent Disablement we can insure against you or your loved ones facing financial ruin.
• While Trauma Cover pays out a tax free lump sum to assist with the recovery from a major medical condition such as heart attack or cancer.

Risk Management is not only important for individuals and families. Companies and Partnerships are equally in danger if sickness or death occurs. Wealth Creation Advisors specialize in Partnership Protection through tailored packages, protecting key people in a company could mean the difference between a long lasting company and one that folds under the financial pressure that sudden illness or death can bring if it occurs to heads of companies or principal income earners.

Pawan (Kevin) Luthra has helped many accounting and medical practices and legal firms to implement a protection portfolio not only tailored to the individual, but one that protects the company as a whole. We work together with a specialist solicitor to implement Buy Sell Agreements in order to formalize agreements in the event of death or serious illness: the goal being to protect the individual, the company and the family.