PERSONAL insurance ADVICE
Insurance Advice for Individuals and Families
Helping protect your way of life.
How we support you
Putting the right cover around what matters most
When we advise on personal insurance, we begin by understanding your circumstances, including your income, financial commitments, family situation and any existing cover. We will take the time to explain how various covers work on their own and together, and design for you a comprehensive insurance portfolio which will act as a financial safety net for yourself and the people who rely on you. The aim is to implement a tailored risk strategy that eases financial pressure if something unexpected happens, giving you greater peace of mind.
Each stage of your insurance advice
01
Initial meeting
The first meeting focuses on understanding your situation, goals, and priorities, and on explaining how our advice process works.
02
Needs analysis
From there, we review what you have shared and complete a needs analysis to identify the types and levels of cover that may be appropriate for you.
03
Market research
Based on that analysis, we evaluate options from the retail insurance market and develop recommendations for your review.
04
Recommendation meeting
At the recommendation meeting, we present our advice, including structure and expected costs, and give you time to review, ask questions and decide whether you would like to proceed.
05
Implementation
If you choose to go ahead, applications are prepared and lodged, and we liaise with insurer underwriters during assessment so approved cover can be put in place.
Review
Over time, changes in your life may mean your cover needs adjustment. We encourage you to contact us if you would like to review your portfolio, and we provide an annual portfolio summary to prompt that consideration.
Cover types that shape your insurance portfolio
Life insurance
Life insurance helps you put financial support in place for the people who matter to you. It can provide a lump sum to your loved ones in the event of your death or a terminal illness diagnosis. This benefit can help your family manage ongoing living costs, meet education expenses and repay outstanding debts if you are no longer contributing income.
Total and Permanent Disability (TPD) insurance
TPD insurance helps you plan for the financial impact of a serious illness or injury that prevents you from returning to work. It can provide a lump sum to help you reduce or clear debts, cover longer-term living costs and adapt your life and home to new circumstances.
People often consider TPD cover when their ability to work is central to their ability to support themselves or others.
People often consider TPD cover when their ability to work is central to their ability to support themselves or others.
Trauma insurance
Trauma insurance helps you plan for the financial impact of being diagnosed with a specified serious illness or injury. It can provide a lump sum if you are diagnosed with one of the covered conditions, such as certain cancers, heart events or neurological conditions.
This benefit can help cover medical and rehabilitation costs, give you the option to reduce working hours or take time away from work, and support other adjustments that feel appropriate for you and your family.
This benefit can help cover medical and rehabilitation costs, give you the option to reduce working hours or take time away from work, and support other adjustments that feel appropriate for you and your family.
Income protection insurance
Income protection insurance provides a regular benefit if you are unable to work due to illness or injury. The benefit is usually a percentage of your income and begins after a waiting period, for a maximum benefit period set out in the policy.
This cover can help you to meet day-to-day expenses if your income is reduced for a period of time.
This cover can help you to meet day-to-day expenses if your income is reduced for a period of time.
Child insurance
Child insurance can provide financial support to families during a child’s serious illness or injury. It pays a lump sum to help cover medical and rehabilitation costs, as well as income that may be lost if a parent or guardian needs to take time away from work.
This cover can give you more room to focus on your child’s care and treatment when it is needed.
This cover can give you more room to focus on your child’s care and treatment when it is needed.
