• Nicholas Hatherly

A note from AFRM Managing Director, Nicholas Hatherly - February 18, 2019


As the dust settles in the wake of the release this month of the Final Report of the Hayne Royal Commission, we thought it timely to reach out to you to reiterate what, we hope, you already know.


AFRM has always held the best interests of its clients as its highest priority for the more than 20 years we have been in business.


Put simply, there’s nothing AFRM needs to change as a result of the handing down of the Final Report of the Royal Commission.


For our newer clients, who perhaps haven’t yet had the opportunity to experience first-hand our personal commitment to ensuring your best interests are protected, perhaps now is a good time to give you a little background on the AFRM approach to financial risk management.


A client best interest approach…


We are proud of the fact that we stand by our clients when the time comes to make a claim.

To date, we have achieved more than $150m in client claims paid. We are passionate about helping people and ensuring our customers are always protected.


Our mission is to protect people from financial hardship when things go wrong; and our vision is to become the pre-eminent specialist risk insurance advice company in Australia.


Our promise to our customers is that we are “protecting your future, today.”


We are specialists in financial risk management…


What makes AFRM different to financial planners, wealth management advisers and other financial services firms is that we are purely specialists in analysing financial risk and developing strategies to manage those risks for you.


AFRM’s risk analysis starts with the end in mind. Our approach is to “expect” all our clients to need to make a claim one day. Therefore, we design our advice to ensure that; in your hour of need; the best possible outcomes are achieved for you and your family. We are here to give you personal advice on your financial risks and the insurance products that will help you manage those risks.


That means sitting down with you and getting to know your individual situation to identify the problems that may arise and to propose solutions to those problems.


We have called ourselves financial risk analysts from the day we founded this company because that is what we do. We analyse risk. Insurance is merely a funding mechanism to address a problem.


That said, it is very important to get the product correct to make sure we have got the best definitions, the right pricing, the right packaging, the right taxation outcomes… That’s the detail we help you work through. After all, insurance policies are contracts and we understand the fine print and its relationship to making a successful claim.


We are passionate about proactive claims management and effective client advocacy…


If you do ever need to make a claim, we will dedicate one of our team members to be your claims liaison to work on your behalf to solve any issues as they arise.


The bottom line is that good advice leads to a successful claim. It is our knowledge of the finer details of insurance contracts that makes the positive difference for you; our clients.


Having a 22-year history as risk specialists, we hold the respect of; and have relationships with; insurers which enable us to get the best outcomes possible for our clients.


We understand insurance needs change as our clients move through their lives. That’s why annually we send you details of your current policies and always offer you a full review to ensure the appropriate risk strategy remains in place.


We are proud that we are there for our clients in their time of need. As I mentioned earlier, AFRM has supported our clients in their hour of need to the tune of more than $150 million in claims paid.


Achieving positive consumer outcomes is what drives us to succeed. Yours sincerely, Nicholas Hatherly. Managing Director

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