COMPREHENSIVE PERSONAL RISK PLANNING

Life | Disability | Critical Illness | Income Protection

Structured protection planning designed to safeguard families, income, and business continuity when life takes an unexpected turn.

Lifes uncertainties cannot be avoided.

Financial vulnerabilty can.

Life and income protection planning provides financial security for individuals, families, and business owners in the event of death, disability, severe illness, or loss of income.

At Wenru, we structure independent risk solutions aligned to real financial exposure, long-term affordability, and changing life circumstances.

Life Assurance

Provides capital to dependants in the event of death, supporting lifestyle, education, and estate liquidity.

Disability Protection

Provides lump-sum capital in the event of permanent disability to replace income and meet financial obligations.

Severe Illness Cover

Provides lump-sum benefits upon diagnosis of defined medical conditions such as cancer, heart attack, or stroke.

Income Protection

Replaces a portion of monthly income in the event of illness or injury.

Who This Is For

Risk planning is not a once-off transaction — it is an ongoing strategic function within broader financial planning.

Our advisory approach is suited to:

  • Professionals and executives
  • Business owners and partners
  • Families with financial dependants
  • High-income earners
  • Individuals with complex financial structures

Our Advisory Approach

Our advisory process includes:

  • Detailed financial needs analysis
  • Multi-insurer comparison and structuring
  • Definition review and benefit optimisation
  • Claims advocacy and support
  • Ongoing annual review

Structured Protection for Life’s Uncertainties

Speak to a Wenru advisor for a structured protection review.

Speak with an Advisor

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