Insurance and protection
Insurance and protection
The right cover for your family, without paying for what you do not need.
The right cover for your family, without paying for what you do not need.
Insurance protects the plans you are building. We look at your income, debts and family to recommend the right types and levels of cover, and we help you compare options so you understand what you are paying for.
Insurance protects the plans you are building. We look at your income, debts and family to recommend the right types and levels of cover, and we help you compare options so you understand what you are paying for.
Who it’s for
Who it’s for
You have a mortgage or other debts
You have children or others who rely on you
You are self-employed or a business owner
You have cover but are not sure it is right
You have a mortgage or other debts
You have children or others who rely on you
You are self-employed or a business owner
You have cover but are not sure it is right
How we help
How we help
Life cover to protect your family
Total and permanent disability (TPD) cover
Trauma cover for serious illness
Income protection if you cannot work
A yearly check as your life changes
Life cover to protect your family
Total and permanent disability (TPD) cover
Trauma cover for serious illness
Income protection if you cannot work
A yearly check as your life changes
Good to know
Good to know
Income protection generally replaces part of your income if you cannot work due to illness or injury, after a waiting period.
Premiums, definitions and exclusions vary between policies, so it is worth comparing more than price.
Changing or cancelling cover can affect what you are covered for, so get advice before you switch.
Income protection generally replaces part of your income if you cannot work due to illness or injury, after a waiting period.
Premiums, definitions and exclusions vary between policies, so it is worth comparing more than price.
Changing or cancelling cover can affect what you are covered for, so get advice before you switch.
Common questions
Common questions
How much life insurance do I need?
It depends on your debts, income, family and other assets. We work through your situation to recommend a level that fits.
Can I reduce my premiums?
Sometimes, by adjusting waiting periods, benefit periods or levels of cover. We explain the trade-offs so you can decide.
Do you receive commission on insurance?
If we recommend insurance, the insurer may pay us a commission. Any commission is disclosed to you in writing before you decide.
How much life insurance do I need?
It depends on your debts, income, family and other assets. We work through your situation to recommend a level that fits.
Can I reduce my premiums?
Sometimes, by adjusting waiting periods, benefit periods or levels of cover. We explain the trade-offs so you can decide.
Do you receive commission on insurance?
If we recommend insurance, the insurer may pay us a commission. Any commission is disclosed to you in writing before you decide.
This page is general information only and does not take into account your objectives, financial situation or needs. Consider the relevant Product Disclosure Statement and Target Market Determination, and seek personal advice before making a decision.
This page is general information only and does not take into account your objectives, financial situation or needs. Consider the relevant Product Disclosure Statement and Target Market Determination, and seek personal advice before making a decision.
Talk it through
Talk it through
A free, no-pressure 20-minute call to see if this advice is right for you.
A free, no-pressure 20-minute call to see if this advice is right for you.
Related reading
Related reading
Income protection: five things to check before you renew
Your 2026–27 end of financial year checklist
Ready for a plan you can grow into?
Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.
Book your free call
No obligation. General information only until we provide personal advice.
Ready for a plan you can grow into?
Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.
Book your free call
No obligation. General information only until we provide personal advice.
Ready for a plan you can grow into?
Book a free, no-obligation 20-minute call. We’ll listen, answer your questions and be upfront about whether we can help.
Book your free call
No obligation. General information only until we provide personal advice.