Personal · Advice area
Protect your income, your family, and your way of life
Personal insurance is the foundation everything else is built on. We help you put the right cover in place — enough to matter, structured to pay when it counts, and never more than you need.
Book Discovery Review- Life, TPD, income & trauma cover
- Inside or outside super
- Transparent, conflict-free advice
Cover that does its job when life doesn’t go to plan.
Most people are either underinsured, paying for cover they don’t understand, or holding default policies inside super that fall short exactly when they’re needed. The gap rarely shows up until a claim — by which point it’s too late to fix.
We start by understanding your income, your obligations, and the people who depend on you, then design cover that matches — across life, total and permanent disability, income protection, and trauma. We also make sure it’s structured sensibly inside or outside superannuation for cost and tax efficiency.
What’s included
What personal insurance covers
Four core types of cover, structured to work together.
Life Insurance
A lump sum for your family if the worst happens — to clear debt, replace income, and keep life on track.
Total & Permanent Disability (TPD)
A lump sum if illness or injury stops you working for good.
Income Protection
A monthly benefit that replaces a portion of your income while you can’t work.
Trauma / Critical Illness
A lump sum on diagnosis of a serious condition, when you need flexibility most.
Wealth Protection & Structuring
Cover levels and ownership aligned to your goals, so your protection and your finances pull in the same direction.
- Appropriate cover levels
- Aligning insurance with financial goals
- Ownership inside or outside super
How we work
A clear, five-step engagement
Discovery
We understand your situation, dependants, debts, and what you’d need protected.
Strategy
We model the right type and level of cover, structured for cost and tax efficiency.
Advice Presentation
We present our recommendations, explain your options, and answer your questions so you can make an informed decision.
Implement
We handle applications, underwriting, and policy setup end to end.
Review
We review your cover as life changes — a new home, a new child, a new income.
Common questions
Before we talk
How much cover do I actually need?
It depends on your debts, income, dependants, and the lifestyle you’d want protected. We model it with you rather than guessing — enough to matter, without paying for cover you don’t need.
Should my insurance be inside or outside super?
Both have trade-offs around cost, tax, and cashflow. We weigh them against your situation and structure cover where it works hardest for you — often a mix of the two.
I already have cover through my super fund — isn’t that enough?
Default cover inside super is a start, but it’s often well short of what people actually need and comes with definitions worth checking. We review what you hold before recommending any change.
Are you tied to particular insurers?
No. Our advice is transparent and conflict-free — we compare across APRA-regulated insurers to find cover that fits on the best available terms.
Discovery Review
Start with a Discovery Review.
A no-obligation conversation about your position, your priorities, and whether we can help — before any advice, paperwork, or cost.