The Private Client Report — the written deliverable of every review
Not a call that evaporates, not a quote sheet with our margin hidden in it. A written report: what you hold, what it actually does, what we would change and why — with the reasoning shown, so you can check it or challenge it.
What is inside
Twelve pages, and every one earns its place.
The report is built from your intake and the consultation, not from a template with your name mail-merged in. The structure is fixed; everything inside it is yours.
What you hold, in plain words
Every policy you already carry, restated in one register: what it covers, where it stops, what it costs, and the clauses that would decide a claim. For most clients this section alone is the first time anyone has read their cover side by side.
Where the exposure actually sits
The gap analysis — against the country you are in, the country you are going to, and the people who depend on you. Ranked by consequence, not by premium, because the most expensive gap is rarely the most obvious one.
What we would change, and why
Recommendations with the reasoning attached — including what each one costs, what it replaces, and what we considered and rejected. If a recommendation cannot survive its reasoning being shown, it does not go in the report.
Sometimes: keep what you have
The section no insurer could publish. Where your cover is right, the report says so, and the recommendation is to change nothing. It is the cheapest sentence we write and the one that makes the rest believable.
The terms, stated
A stated turnaround, and it is yours.
The report arrives within one working day of the consultation. We publish that number because nobody else in this category states one, and because a deliverable without a deadline is a promise without a shape.
It is yours either way. Whether you act on it, take it to another broker, or hand it to your company's finance team — the document belongs to you, and nothing in it is written to be unusable without us.
The review and the report are free. International cover is placed on a courtage basis — the insurer pays a brokerage fee, a percentage of the premium, when a policy is placed — and the report shows its reasoning precisely so you can see whether that arrangement bent any recommendation. We would rather be checked than trusted.
For context on what a written opinion is worth elsewhere: specialist medical second-opinion services price a report-only opinion in the four figures. Ours is free because it is how we earn the right to arrange what it recommends — and it says so, in the report.
Ready for a calm conversation about cover?
A first review is free — 45 minutes, in English, wherever in the world you happen to be. We'll listen first. Then you'll hear exactly what we would arrange if the situation were ours. What you do with that is yours to decide.
Book a reviewOr write to hello@expatsavvy.com — we reply within the working day.