Four areas of protection, working together.
From the insurance that sits at the centre of everything we do, through to superannuation strategy, estate planning and claims, here is how we protect what matters to you.
Insurance Products
The foundation of a sound protection plan. We assess where you and your family or business are exposed, compare cover across leading insurers, and put the right policies in place — at no cost to you to establish. We then handle the application, underwriting and paperwork from start to finish.
Income Protection
Replaces a portion of your income if illness or injury stops you working, so your household keeps running while you recover.
Life Insurance
A lump sum to your beneficiaries on death or terminal illness — clearing debt, replacing income and providing for those who depend on you.
Total & Permanent Disability (TPD)
A lump sum if you’re permanently unable to work, covering medical costs, home modifications and long-term living expenses.
Trauma / Critical Illness
A lump sum on diagnosis of a serious condition such as cancer, heart attack or stroke — giving you room to focus on recovery, not bills.
Key Person Insurance
Protects a business against the financial impact of losing an owner or essential employee to death, disability or critical illness.
Business Expense Insurance
Covers fixed operating costs of your business if you’re unable to work due to illness or injury, keeping the doors open.
Mortgage Protection
Tailored cover that helps meet your mortgage repayments if illness, injury or death affects your ability to pay.
Business Insurance
The right protection for your business and the people in it, matched to how your business actually operates and what it owes.
SMSF Products
Risk protection structured inside superannuation, including self-managed super funds. Holding the right cover within super can ease the impact on your day-to-day cash flow, make use of tax-deductible premiums, and still give you market-competitive policies — all aligned with your wider retirement and investment strategy.
Risk Protection Inside Superannuation
Structure life, TPD and income protection through super so premiums are funded from your super balance rather than your take-home pay.
Cash-Flow Efficiency
Reduce the pressure on your personal budget by funding appropriate cover from within the super environment.
Tax-Effective Premiums
Take advantage of the tax treatment of premiums held inside superannuation, where it suits your circumstances.
SMSF Cover Strategy
For self-managed funds, we help structure and document insurance in line with the fund’s investment strategy and trustee obligations.
Estate Planning & Protection
Making sure what you’ve built ends up where you intend, and that the right people are able to act for you if you can’t. We coordinate estate and business succession planning alongside your insurance so your cover, your structures and your wishes all point in the same direction.
Estate Planning
Plan how your assets are managed and distributed, and appoint the people you trust to make financial and healthcare decisions on your behalf.
Business Succession Planning
Whether you want to keep the business in the family, sell to a key employee or prepare for acquisition, we help plan an orderly transition.
Wealth Protection
Structure your protection so an unexpected event doesn’t force the sale of assets or undermine your family’s long-term position.
Coordinated with your professionals
We work alongside your accountant and solicitor so the insurance, ownership and legal documents are consistent and complete.
Claims Management
The real test of any policy is the day you need to claim. We manage that process with the insurer on your behalf — preparing and lodging the claim, gathering the right documentation, dealing with assessors, and advocating for the outcome you’re entitled to. It’s the part of advice that matters most, and we stay with you through it.
Claim Lodgement
We prepare and submit your claim correctly the first time, so it isn’t delayed by missing or incorrect information.
Documentation & Liaison
We coordinate medical and financial evidence and act as the point of contact between you and the insurer’s assessors.
Advocacy
If a claim is questioned, we advocate on your behalf to pursue the outcome your policy provides for.
Support through recovery
We keep you informed at every step so you can focus on your health and your family while we manage the process.
Not sure where you stand?
Complete the Risk Fact Find and we’ll show you, clearly, where you’re covered and where you’re exposed across all four areas.