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Risk Management Advisory
Identify, assess and mitigate the risks that threaten your business and assets before they become losses.
Learn more →Life & Health Insurance Consulting
The right life and health cover protects families and helps employers attract and keep good people. We help you choose well.
What it is
About Life & Health Insurance Consulting
Life & Health Insurance Consulting covers individual life cover, family health plans, and employee group life and medical schemes. Moonstone explains the options in plain language, compares plans across providers, and recommends cover that balances protection and cost. For employers, we design group schemes that strengthen your benefits package without overspending.
Who it's for
Is this service right for you?
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Individuals and families seeking life or health protection, and employers who want a competitive, well-structured group life or medical scheme for their staff.
Key benefits
What you gain
- ✓ Plans compared across providers in clear, plain language
- ✓ Cover sized to real needs — neither under- nor over-insured
- ✓ Group schemes that strengthen staff retention and benefits
- ✓ Help with claims, renewals and adding or removing members
- ✓ Independent advice — we recommend what fits, not what pays us most
How it works
Our process, step by step
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01
Understand your needs
We discuss your family situation or workforce, budget and protection priorities.
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02
Compare the market
We gather and compare suitable life and health plans from multiple providers.
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03
Recommend & explain
We present a clear recommendation, explaining exactly what is covered and why.
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04
Enrolment & setup
We handle applications, medical requirements and scheme setup for groups.
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05
Ongoing support
We assist with claims, renewals and member changes for the life of the plan.
Questions
Frequently asked questions
What size of company can have a group scheme?
Group life and medical schemes are available from small teams upward — we will advise the best structure for your headcount.
Can individuals get advice, not just companies?
Absolutely. We advise individuals and families on personal life and health cover.
Will you help if a claim is difficult?
Yes. We support members and HR teams through the claims process to a fair outcome.
Explore more
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Comprehensive cover structured around your organisation's exposure, contracts and growth plans.
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Motor & Property Insurance Advisory
Smart, correctly-valued cover for vehicles, premises and property — at the right premium.
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