Understand what cover actually suits your situation
Most people have some level of insurance in place, but very few know if it’s actually set up properly.
You might already have cover through super, work, or policies you’ve taken out over time. The challenge is knowing whether it’s the right type, the right amount, and how it all works together.
If you have a mortgage, a family, or people relying on your income, getting this wrong can create real financial pressure when something goes wrong.
We help you understand what you’re covered for, what you’re not, and how it all fits together, so you can make informed decisions without overcomplicating things.
Clear advice so you can make the right decision, without the pressure.
Who this is for
This service is for people who want to make sure their insurance is set up properly.
If you have a mortgage, a family, or people relying on your income, it’s important to understand what you’re covered for, and what you’re not, before something goes wrong.
Young professionals
Starting out in your career and want to protect your income early
Growing families
Managing a household, a mortgage, and people depending on you financially
Homeowners
Wanting to protect your home and reduce financial risk if something goes wrong
The areas that often matter most
These are the key areas of personal insurance we typically review, based on your situation.
Life Insurance
Provides a lump sum to support your family if you pass away or are diagnosed with a terminal illness. It is typically used to clear debts like a mortgage, cover ongoing living costs, and provide financial stability for the people who rely on you.
Total and permanent disability (TPD) cover
Provides a lump sum if an illness or injury prevents you from working long term or returning to your role. It can help cover medical costs, fund adjustments to your lifestyle, and support ongoing financial needs if your income stops.
Income protection
Provides a monthly income if you are unable to work due to illness or injury. It helps you stay on top of everyday expenses and maintain your financial position while you recover, without needing to rely on savings or take on additional pressure.
Trauma cover
Provides a lump sum if you are diagnosed with a serious illness or suffer a major injury. It is typically used to cover treatment costs, reduce financial pressure during recovery, and give you flexibility to focus on your health.
Frequently asked questions
Answers to common questions about the process, costs, and what to expect.
How much does personal insurance advice cost?
To do the research and prepare your insurance advice we charge a flat fee of $500 (incl. GST).
If you proceed with insurance, we also receive a commission from the insurer for arranging the policy. This commission is standardised across providers.
Do I need to pay upfront?
Yes. The $500 (incl. GST) fee for the research and preparation of your Statement of Advice (SOA) is payable before any advice is prepared, and after you have completed the questionnaire.
Is there any obligation to go ahead?
No. Completing the questionnaire or having an initial conversation does not lock you into anything.
You are free to take your time, understand your options, and decide what is right for you.
What happens after I complete the questionnaire?
Once we receive your responses, we’ll review your situation and let you know whether a conversation makes sense and what the next steps would look like.
How are you paid for your advice?
We charge $500 (incl. GST) for researching your insurance cover, and preparing a Statement of Advice (SOA), outlining our recommendations.
If you choose to proceed with insurance, we also receive a commission from the insurer.
We will always explain how this works and provide full disclosure before you decide to proceed.
How long does the advice process usually take?
Once your questionnaire is completed, we have had the initial conversation and payment is received, we’ll let you know the expected timeframe, the process can take up to 8 weeks.
Is it cheaper to go directly to an insurance company?
There is no difference in the insurance premium doing it yourself or going through us, however we will be researching the best policy (features and price) for you and considering how to position your policy to take advantage of tax and making sure the cover is sufficient for you and your family’s needs.
Why personal insurance matters
Most people know insurance is important. Very few feel confident it’s set up properly.
If you have a family, a mortgage, or people relying on your income, illness or injury can create immediate financial pressure. The same applies if something happens to you and your family needs ongoing support.
The challenge is not just having cover. It’s knowing what actually matters, how much is appropriate, and what you may already have in place through super or work.
That’s where getting the right advice makes a real difference.
Understanding what matters
We help you focus on the types of cover that are actually relevant to your situation, rather than trying to work everything out on your own.
Advice tailored to you
Your situation is different to everyone else. We look at your income, commitments, and existing cover before making any recommendations.
Support when it counts
If you ever need to rely on your cover, having it structured properly can make a difficult time significantly more manageable for you and your family.
Face-to-face advice
Meet with our advisers in person or online
Trusted Team
Over 25 years of combined experience
How we work with you
Once your cover is in place, the focus shifts to keeping things aligned with your life and making sure you’re supported when it actually matters.
Ongoing support
If something changes or you have questions, you can reach out and get clear guidance without needing to work it out on your own.
Clear pricing
Upfront and transparent, so you understand how everything works without unexpected costs or confusion later on.
Claims support
If you need to claim, we guide you through the process and ensure everything is handled properly from the start.
Start with a short questionnaire
Leave your details below and we’ll send you a short questionnaire to complete when it suits you.
This helps us understand your current situation, what cover you may already have, and what’s most important to you, so any advice is relevant from the outset.
There’s no obligation to proceed, and no meetings booked unless you decide to take the next step.