Order in your finances is the foundation of peace of mind.

Imagine insurance as a fire extinguisher. It’s essential, but you don’t actually want anything to catch fire. It’s the same with finances. The goal isn’t to pay for lots of insurance, but to have the assurance that even if something truly serious happens (e.g., long-term illness or injury), your family won’t fall into debt and will still cover basic expenses.

A truly protected person has their finances in order and insures only the biggest risks.

Who’s really on your side?

Let’s compare the approach of a banker/salesperson and an independent advisor.

When you walk into a bank or insurance company, you meet a salesperson. Their job is to sell you the products their company offers. The more expensive the insurance, the higher their commission.

I, as an independent advisor, work for you. I have access to offers from all companies on the market, and my main motivation is to:

• Save you money.
• Find the cheapest and best protection for your situation.
• Build a long-term relationship with you and create a comprehensive financial plan tailored specifically to your needs.

I am not tied to a single company. My compensation depends on your satisfaction and on whether I find a truly effective solution for you.

A complete look at your income and family – how to avoid overpaying and build your own security

Smart financial protection means letting the insurance company cover only the worst-case scenarios, and handling the rest yourself. The goal is for your dependence on insurance payments to decrease over time as your assets and savings grow.

1. The order is clear: emergency fund, insurance, assets

• Short-term problems: Minor injuries or illnesses lasting a few weeks. These should be covered from your emergency fund (savings equal to 3–6 months of expenses). Don’t pay for expensive insurance for this!
• Long-term disasters: Disability, death of a family breadwinner, house fire. These major events often require commercial insurance.

2. Insurance only for essential expenses – no overpaying

Insurance should never cover your entire current salary. It should only cover essential expenses (mortgage, rent, food, utilities).

Example of savings: If your insurance is set to cover your full net income, you are often overpaying. When we reduce it to only cover essential expenses, you pay less but are still protected from falling into debt.

3. Gradual reduction of insurance – build your own assets

As your assets and savings grow, your insurance coverage should gradually be reduced.

Be careful with Investment Life Insurance (ILI): It contains two components — risk coverage and an investment part. The investment part can unpleasantly surprise you with high fees (in the vast majority of cases very high fees, weak returns, often “funds of funds,” and if set up poorly, the risk component may even draw fees from the investment portion, etc.). It is always better to separate insurance and investments. The risk coverage and potential tax benefits may be fine with ILI, but investments should be handled completely separately.

Risk reduction: Once you build a sufficiently large investment portfolio (e.g., real estate, stocks, funds), the need for high insurance coverage decreases. Your insurance should gradually decline in line with the growth of your own assets.

The greater your wealth, the less you pay to the insurance company — and the more financial peace of mind you have.

How can you be sure your insurance actually makes sense?
Regular analysis of your situation and insurance policies helps reveal overpriced contracts, outdated products, or missing coverage. An independent review of your policies gives you not only real protection but also peace of mind and the reassurance that your money is working for you.

If you want a true, objective analysis of your situation and insurance contracts, turn to an independent financial advisor — not a salesperson. Only an independent advisor is motivated to find the best and most cost-effective solution for you across the entire market.