Most insurance was set up once and never reconsidered
Whether it's a policy held outside super or default cover that came with your fund, the amount, the type and the cost may not reflect your life as it is now. We take the time to understand your situation so we can see whether your current cover still fits.
- Understand what your current policies actually cover
- Identify gaps or overlaps that could leave you exposed
- Compare options across multiple insurers
- Look at how premiums are structured, including through super
- Check that beneficiaries and ownership are set up correctly
Four areas, often overlooked together
Each type of cover serves a different purpose. A review looks at how they work together, not just whether each one exists.
01Life Insurance
Provides financial support for your family if you pass away. Often the starting point of a review, but rarely the only thing worth looking at.
02Total & Permanent Disability (TPD)
Provides a payout if illness or injury means you're unlikely to work again. The definitions used can vary significantly between policies.
03Income Protection
Replaces a portion of your income if you're unable to work due to illness or injury. Waiting periods and benefit periods both affect how this plays out in practice.
04Trauma Insurance
Provides a lump sum on diagnosis of specified medical events, such as cancer or a heart attack. Often held alongside life cover but serves a different purpose.
Not tied to any one provider
Recommendations are based on what suits your situation, not a relationship with any particular insurer.
Provider Neutral
We're not aligned with any single insurer. Cover is assessed across multiple providers based on what fits.
Cost Aware
We look at how premiums are structured, including whether paying through super makes sense for your situation.
No Unnecessary Extras
If a policy includes cover you don't need, that's worth knowing. The goal is cover that fits, not cover that's padded.
Ownership & Beneficiaries
How a policy is owned and who's nominated can matter as much as the cover itself. We check this is set up correctly.
"What happens to my family if something happens to me?"
It's a question most people would rather not sit with for too long, which is exactly why it rarely gets a proper answer. A surprising number of people have insurance they've never reviewed, often because it came bundled with their super and they've simply never looked.
I know I have some cover through my super, but I genuinely couldn't tell you what it actually pays out.
I took out a policy years ago when my circumstances were completely different. I have no idea if it still makes sense.
I want to know my family would actually be okay, not just that a policy technically exists.
Worth knowing before you book
A strategy session is a calm, structured conversation. There's no pressure and no obligation to proceed.
This is a good fit if
- You're not sure what your current cover actually includes
- You've had a major life change since your cover was set up (new home, kids, new job)
- You want to understand how your policies work together
- You're open to comparing options if it's relevant to your situation
This isn't the right fit if
- You're after the cheapest possible policy regardless of what it covers
- You're not interested in understanding how cover actually works
- You want a guaranteed claims outcome (no adviser can promise this)
- You're looking for cover for something already diagnosed or in progress
See what your current cover actually does
Book a strategy session. The review, the strategy and the session are all at no cost. A fee only applies if you choose to implement.
Book a Strategy SessionABN: 46 679 016 525 | AFSL: 561 658
You insure your car. Your home.
What about the income that pays for both?
Most people protect their assets without ever reviewing whether their own income, and the people who depend on it, are properly covered. We look at what you have, what it actually does, and whether it still fits your life.