What it is
Protection planning starts with the people, income, home and ambitions that matter to you—not with a list of policies.
For you and your family
Insurance
Protect the life behind the balance sheet.
Protection planning starts with the people, income, home and ambitions that matter to you—not with a list of policies.
About this service
Understand what the service offers and how it can help you.
Who it is for
Individuals, families and business owners who need to protect income, assets and responsibilities.
How Stratum offers it
Your Stratum adviser identifies the financial consequences of what could go wrong and coordinates suitable cover through authorised insurers and specialists.
The benefits
This service can support the outcomes that matter to you.
Protect family income
Preserve a home and lifestyle
Keep a business resilient
Prepare for illness or disability
Your experience
We guide you through a clear and connected process.
Map exposure
We explore the human and financial impact of key risks.
Prioritise
Essential protection is separated from optional cover.
Place
Appropriate authorised insurers assess and issue any selected policies.
Review
Cover evolves as your family, assets and responsibilities change.
What we can bring together
We coordinate the specialist capabilities your plan requires.
Life and funeral cover
Disability and severe illness cover
Income protection
Credit life
Motor, home and travel cover
Business assets and commercial insurance
For Stratum Private Clients
Your service, connected through
one relationship.
This service is offered to Stratum Private Clients as part of a coordinated relationship. The Stratum Private Clients App is intended to bring your request, financial position, relevant provider information and ongoing support into one clear view.
Insurance products are underwritten and issued by appropriately authorised insurers, subject to underwriting, exclusions, premiums and policy terms.
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Retirement
Turn years of work into lasting independence.