Our services

Insurance

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Insurance and personal risk strategies for protecting your livelihood and preparing for unforeseen and significant life events are critical for achieving your goals and maintaining your desired lifestyle.

While affordable insurance premiums are important, so too are insurance policy definitions and conditions which we review and consider in context of each policy holder’s requirements.

Policy ‘fine print’ can be difficult to understand and our role is to inform you of key matters including policy suitability for your circumstances, inclusions and exclusions, identify your risk exposure and help you decide whether the claim amount is sufficient.

Should you need to claim, we will coordinate processes and liaise with the insurer on your behalf, represent your best interests and ensure payment of your policy entitlement.

Our services include:

Life Insurance
The financial benefit that is paid by the insurer to your nominated beneficiaries upon your passing.

Trauma Insurance

Should you suffer a stroke, heart attack, be diagnosed with cancer or suffer other serious illnesses or injuries recognised by your insurer, Trauma insurance which can also be known as Critical Illness Insurance, would provide a financial benefit that may be used for your treatment and rehabilitation expenses.

Permanent Disablement
This insurance provides a lump sum payment to assist with ongoing care, should you suffer an accident or illness that renders you totally and permanently disabled as determined by the terms of your policy.

Income Protection

If you are unable to work due to partial or total disability, income protection insurance aims to replace up to 90% of your regular pre-tax income and up to 70% for a specified time after six months over a 12 month period. Income protection insurance can be complicated and requires individualised advice.

Owning your own business comes with its own risks and rewards. Working in collaboration with authorised business insurers, we help you to understand these risks and guide you in decision making that protects your assets throughout all business cycles. These matters may include Buy/Sell agreements and key man insurances, as well as business expense and business interruption insurances. These types of insurance are there to provide you with financial compensation when business (or life) doesn’t go to plan.