Life insurance is the foundation of any protection strategy - it ensures that if the worst happens, the people who depend on you financially aren't left to navigate that loss without resources. For high-income earners and families with mortgages, investments and children still at home, the right level of cover can be the difference between your family maintaining their lifestyle and having to make painful compromises at the worst possible time. We don't use a generic formula to calculate how much you need - we look at your actual financial obligations, your partner's income, your assets and what you'd want your family to be able to do, and build the cover around that.

TPD cover pays a lump sum if you become permanently unable to work due to illness or injury - and it's one of the most underestimated covers in most people's portfolios. The impact of being unable to work isn't just lost income - it's the cost of ongoing care, home modifications, medical expenses, and the fact that your retirement savings stop growing at exactly the moment you need them most. We assess the right definition of TPD for your occupation and structure the cover in the most tax-effective way, whether that's inside or outside superannuation.

Your ability to earn an income is almost certainly your most valuable financial asset - and it's the one most people leave unprotected. Income protection replaces up to 70% of your income if illness or injury prevents you from working, giving you the financial stability to focus on recovery without the pressure of mounting bills. The details matter enormously here: the waiting period, the benefit period, whether the policy is agreed value or indemnity, and whether your definition of disability covers your specific occupation. We make sure your policy actually does what you think it does when you need it.

A diagnosis doesn't just affect your health - it immediately affects your finances. Treatment costs, time off work and the need to restructure your life can place enormous pressure on your savings and investments at a time when the last thing you need is financial stress. Trauma cover pays a lump sum on diagnosis, giving you complete flexibility to use the money however you need - whether that's accessing the best available treatment, paying down debt, or simply buying yourself time to recover without financial pressure. It works alongside income protection rather than replacing it, covering costs that don't fit neatly into a monthly income replacement.

For self-employed people and business owners, being unable to work doesn't just affect your personal income - it puts your entire business at risk. Business expenses insurance covers the fixed overhead costs of running your practice or business while you're recovering: rent, utilities, staff wages, loan repayments and other costs that continue regardless of whether you're at your desk. It's designed to keep your business viable during your recovery so that what you've built doesn't deteriorate while you're focused on getting back on your feet.