An accident, illness or loss of income can derail even the best-laid plans. Wealth protection is about making sure you and your family are financially secure, no matter what happens.

We’ll help you put the right protection in place so your lifestyle, goals, and loved ones are looked after.

Your Money Your Life

Protecting your income, lifestyle, family and future

Life Insurance

Provides a lump sum if you pass away — helping your family pay off debts, cover living costs and keep their financial footing when they need it most.

Trauma (Critical Illness) Insurance

Pays a tax-free lump sum on diagnosis of a serious illness such as cancer, heart attack or stroke. It helps cover treatment costs, time off work and lifestyle adjustments so you can focus on recovery, not money stress.

Reviewing insurance inside super

Many Australians hold cover through superannuation — but often the level of protection doesn’t match their real needs. We review what you already have, compare costs and tax treatment, and make sure it’s structured properly.

Total and Permanent Disability (TPD) Insurance

Pays a lump sum if illness or injury prevents you from ever working again. It’s designed to clear debts, fund medical expenses, and secure your long-term independence.

Income Protection Insurance

Replaces a portion of your income if you’re unable to work due to illness or injury — keeping your bills paid and your savings intact while you get back on your feet.

Structuring ownership and premiums

We look at whether cover should be held personally, jointly, or inside super for the most tax-effective outcome and easiest cash flow management.

Who wealth protection is for

You need wealth protection advice if:

  • A professional or business owner whose income supports your family’s lifestyle
  • Carrying a mortgage or investment loans and want them cleared if something happens
  • In your 40s–60s and haven’t reviewed your insurance for years
  • Wanting peace of mind that your family could maintain their lifestyle without financial strain
wealth protection

Wealth Protection FAQs

Enough to clear debts, replace income, and cover future goals like education, medical costs, or retirement savings. We calculate the right level for your life — not a one-size-fits-all formula.

It depends on your circumstances. Inside super can help with cash flow and tax, but can limit flexibility. We’ll weigh up the pros and cons for you.

Premiums vary by age, health, and occupation — but the cost of not having cover can be far greater. We help balance affordability with the right level of protection.

Life pays out if you pass away.
TPD pays if you can’t ever work again.
Trauma pays on diagnosis of a major illness.
Income Protection covers ongoing income loss while you recover.
Each plays a different role, and together they provide complete protection.

Possibly — especially if you still have debts, dependants, or rely on your income. We’ll review whether the cost and need still make sense.

Every few years — or whenever your situation changes (new home, higher income, kids, or business growth). What was right five years ago might not be right now.

Employer super cover is often minimal and can lapse if you change jobs. We’ll review it to make sure it still protects what matters most.

Usually, you’ll each need separate cover, but we can coordinate policies to make them cost-effective and aligned with your goals.

Since 2009, we’ve helped hundreds of Australians safeguard what matters most — so they can focus on living richly, not worrying about “what ifs.”

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