Life cover
A lump sum sized to debt, dependants and the years of income that would disappear.
Our services
Personal Insurance
Life, TPD, trauma and income protection cover matched to what you need to protect.
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Family discussing personal insurance needs with an adviser
Personal insurance is there so a death, illness or injury does not force the people who depend on you to sell the house or drop work. The right amount is rarely the default inside super, and it is rarely last year's guess.
This service is for households with a mortgage, children, or a business that would stall if you could not work, and for people who suspect they are over-insured or paying for cover they no longer need.
We size the need, compare what you already have, and recommend hold, replace or reduce, with the premium and the gaps in writing.
The work
What we help with
Total and permanent disability
Cover if you cannot work again, coordinated with any TPD already sitting in super.
Trauma and income protection
A cash buffer for a serious diagnosis, and a monthly benefit if illness or injury stops your income.
Inside versus outside super
Where each policy should sit for tax, cashflow, claims and what happens if you change funds.
Existing cover review
Keep, reduce or replace, including waiting periods, exclusions and whether a new policy would actually be better.
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Reviewing life and income protection cover amounts
The process
How it works
01
Discover
Who depends on your income, what debt would remain, and what cover you already hold in super and outside it.
02
Size
We model a needs figure for life, TPD, trauma and income protection, then subtract what you already have.
03
Recommend
Hold, replace or reduce, with premiums, waiting periods and ownership in writing, and fees agreed first.
04
Review
Cover is revisited when you have a child, pay down the mortgage, change jobs, or your health changes.
Fit
Who this suits
You have a mortgage or children and have never had cover sized to the household.
Most of your cover sits in super and you do not know what it would actually pay.
You are a contractor, business owner, or on a visa and default cover does not fit.
Premiums have risen and you want to know what you can safely drop.
You were declined or loaded in the past and need a second look.
Try the numbers
Sketch your cover shortfall
Indicative life, TPD and income protection figures against cover you already have. It is a conversation starter, not a quote.
FAQ
Questions about this service
Often it is a round default, not a household calculation. It can also disappear if you change funds or stop working. We compare it to a needs figure before you assume you are covered.
Check whether your cover still fits
45 minutes, no obligation. Bring existing policy or super insurance summaries if you have them.