Your child deserves
an entire ecosystem
growing up beside them.

It's actually the perfect time. The decisions you make before your child is born — about coverage, about your own protection, about what happens if something unexpected occurs during pregnancy — are some of the most important ones you'll make. I've helped parents plan before their child arrived, and the families who start early are always the ones who feel most prepared when the moment comes. Come as you are. We'll plan around where you are right now.

Three things. First — your own coverage during pregnancy, including what happens if there are complications. Second — your maternity benefits and what they actually pay for. Third — what you want to have in place for your child the moment they arrive. These are three separate conversations, and I help you have all three before your due date. Starting early means starting with more options. Let's talk now.

More than most parents realise. A newborn can be covered from as early as 15 days old — and the earlier you start, the cleaner the coverage. Before any conditions are flagged, before any health history builds up. I help parents understand exactly what their child needs from the very beginning — hospitalisation, critical illness, long-term protection — and put it in place before it's needed.

This is one of the most common conversations I have — and one of the most important. A diagnosis changes the coverage landscape, but it doesn't close it. Depending on the condition, the timing, and what's already in place, there are still meaningful options available. I'll look at your child's full picture with you — clinically and financially — and tell you honestly what's possible, what isn't, and what to do next.

I start by understanding — the condition, the care journey, and what your child's needs look like now and in the future. From there we look at what coverage exists, where the gaps are, and how to plan financially for a journey that is often long and unpredictable. I also connect families to the right specialists and support networks through ClinicallyYours. You don't have to figure this out alone.

Absolutely. This isn't about replacing anyone. It's about making sure your child has the right picture in place — and whether what you currently hold is working hard enough for your family. A second perspective from someone with a clinical background is always useful, regardless of who your current agent is.

I speak to you as a nurse and a father first. Before I look at any policy, I look at your child — their health, their history, the risks that are actually relevant to their life. Most advisors start with the product. I start with your family. That clinical perspective changes the entire conversation — and usually surfaces things a standard policy review would never catch.

The best time to start was yesterday. The second best time is now. What you build for your children depends on two things — their timeline and yours. A child who is five has very different needs from a teenager approaching university. What I do is look at your family's picture as a whole: your coverage, your current commitments, and what's realistically buildable from where you are today. We start small if we need to. But we start.

This is something most parents never think about — until it's too late. Some childhood policies convert automatically. Others lapse. Some need to be restructured entirely when your child turns 25. I track this for every family I work with and make sure nothing falls through the cracks. Your child's coverage grows up with them — that's the promise of ClinicallyYours.

For families in ClinicallyYours — frequently and proactively. Quarterly health check-ins for your child. Annual coverage reviews. I reach out whenever something changes that affects your family's picture — a new diagnosis, a policy update, a life event. I don't disappear after the first meeting. Staying is the whole point.