Insurance is not exciting, but it is essential. The right cover protects your family and your wealth if something goes wrong. The wrong cover — too much, too little, or the wrong type — either costs you money you do not need to spend or leaves you exposed when you need it most.
Most people have some insurance through their super fund, but very few have reviewed whether it is adequate. Default cover inside super is designed to be generic — it does not account for your mortgage, your income, your family structure, or your other assets.
I help clients understand what they actually need. That starts with working out what your family would require financially if you could not work due to illness, injury, or death. Then we compare that to what you currently have and identify the gaps.
Insurance advice is not about selling policies. It is about making sure you have appropriate cover at a reasonable cost, structured in the most tax-effective way. Sometimes that means increasing cover. Sometimes it means reducing it. And sometimes it means restructuring what you already have — moving cover inside or outside super depending on the tax implications and your personal situation.
You have a mortgage, children, or a partner who depends on your income, and you want to know your family would be financially secure.
Your income depends on your ability to work, and you want to protect against illness or injury that could stop you earning.
You have insurance inside super or held personally, and you are not sure whether the cover is still appropriate or competitively priced.
Not sure if your cover is right? Most people haven't reviewed theirs in years. Let's take a look.
Needs Analysis
Work out how much cover your family would actually need if something happened to you, based on your mortgage, income, and dependents
Policy Review
Review your existing life, TPD, income protection, and trauma cover to see if it still matches your current situation
Inside vs Outside Super
Work out whether holding your insurance inside or outside super gives you the better tax outcome
Premium Comparison
Find out if you’re paying more than you need to for the same level of protection
Underinsurance Assessment
Identify gaps in your current cover that could leave your family exposed if something went wrong
Claim Support
If you need to make a claim, get help navigating the process so you don’t have to deal with it alone
Alan took the time to understand our situation and provided clear, specific advice. He made implementing changes easy and was always responsive and transparent. We felt well supported throughout.
Gerry & Gina
Melbourne
Book a free 30-minute discovery call and we will review what you have.
The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. It should not be relied upon as personal financial advice. Before making any financial decisions, consider whether the information is appropriate for your circumstances and seek independent professional advice where necessary.