Do I have enough cover?
Sized from your debts, income needs and dependants, not a generic salary multiple.
Personal Insurance
Protect what matters most, and sleep easier.
If illness, injury or death disrupted your plan tomorrow, would your family be secure? We size cover to your real needs, structured to pay when it counts.
What we help you answer
Inside super, outside super, or both?
The structure that suits your tax position, premiums and claim requirements.
Will my policy actually pay?
Comparison on definitions, exclusions and waiting periods, not just price.
INSURANCE RESEARCH
Leading insurers. Advice tailored to you.
We compare policies from many of Australia’s leading insurers to recommend cover that suits your goals, budget and circumstances. Every recommendation is based on your needs rather than any single insurer.
The insurers shown are examples of providers we may consider and do not represent every insurer available. The insurer and cover recommended will depend on your individual circumstances, and acceptance is subject to the insurer’s underwriting requirements.
EDUCATIONAL TOOL
Insurance Needs Estimator
Answer a few questions to receive an indicative estimate of the types and amounts of personal insurance you may wish to discuss with a financial adviser.
This estimator provides general information only. It does not take into account all of your objectives, financial situation or needs and is not a recommendation to purchase, retain or replace any insurance product.
Your financial life is connected
Decisions in one area often affect another. Explore the advice areas most relevant to you.
Common questions
Life, TPD, income protection and trauma cover. The mix depends on your age, income, dependants and existing assets.
Calculated from debt repayment, income replacement, education costs and existing cover, sufficient without unnecessary cost.
Yes. We review all holdings to identify gaps, overlaps and outdated sums insured.
Give your family the security they deserve.
A complimentary initial meeting. No obligation.