We easily insure what we own. But do we think enough about protecting those who depend on us?
Family, income, wealth, and professional activity: behind the word “prévoyance” lie very concrete realities.
To better understand these issues and the solutions that address them, a client advisor from HAYETT Assurances explains how protection planning can support everyone in protecting their loved ones, their income, and their professional activity.
What generally brings a client to take an interest in protection planning?
Very often, it is an evolution of life. Family circumstances change, responsibilities increase, or professional activity grows.
At that moment, certain questions naturally become more important.
What would the financial balance of my family become if I were no longer here? How can I maintain a certain level of security for my loved ones? How would my business cope with the disappearance of someone essential to its operation?
These are the questions we must provide concrete answers to.
Does this mean that every client needs different protection?
Absolutely. That is why advice is essential. Before speaking about guarantees, we must understand what the person wishes to protect.
This is precisely the approach taken with Globale Prévoyance at HAYETT Assurances, which is structured around three plans addressing different situations.
The Whole Life Plan enables protecting loved ones through the payout of a capital in the event of death.
The Key Person Plan targets the business world and aims to limit the financial consequences related to the loss of a key employee.
The Bedil Plan, for its part, addresses the need to preserve the household’s financial balance in the face of the premature death of the family breadwinner.
Can one also protect against other life events?
Yes. Because an unforeseen event does not mean only death.
Globale Prévoyance also includes supplementary guarantees, among which Accident Guarantee, Hospitalisation and Surgical Guarantee, and Cancer Protect.
This last one notably combines financial support with the possibility of obtaining a second medical opinion from international specialists.
In this context, how would you define your role as a client advisor at HAYETT?
Our added value lies above all in listening and guidance.
An insurance product should not be presented as a simple sequence of guarantees. It must make sense in relation to the client’s life.
Our responsibility is to understand their priorities, concerns, and what they want to protect, in order to guide them toward protection that is coherent with their personal or professional situation.
As a HAYETT client advisor, our role is precisely to make protection planning more concrete and easier to understand.
Behind every guarantee, there is above all a need for protection to which we must provide the most appropriate answer.
Protection planning is sometimes associated with something distant. How can this perception be changed?
By talking more about protection than about risk.
Planning does not mean living in worry. On the contrary, it means taking responsibility today to be able to look to tomorrow with greater serenity.
That is the philosophy of Globale Prévoyance: enabling everyone to transform a legitimate concern into a concrete protection decision.
Because ultimately, protection planning is not just about thinking about what could happen. It is mainly about thinking about those who matter.
Source: Press release
