At a guess, "with careful financial planning" means after negotiation our insurers, we agreed to pay increased premiums sufficient to reimburse the insurer for

At a guess, "with careful financial planning" means after negotiation our insurers, we agreed to pay increased premiums sufficient to reimburse the insurer for damages paid, allowing us to announce that the endowment is untouched and avoiding another lawsuit over whether our behaviour was covered by our insurance policy or not.