Oct 23, 2026
How an Insurance Adviser Works for You: Advice, Comparisons and Commissions
See how personal insurance advice can begin with your circumstances, compare a defined insurer panel and explain commissions before you decide.
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Life insurance and income protection advice in Perth
Insurance made personal.
New cover, an existing policy or a change in your circumstances? Tim and the EvolvU team help you understand your options.
Three useful places to start
You don't need to have every answer before a first conversation. Start by thinking about these practical parts of your situation.
01
Income and commitments
What regular expenses, debts or people rely on your income?
02
Existing cover
Do you have policies or cover through super that should be understood first?
03
Your budget
What ongoing premium would be comfortable alongside your other priorities?
Our tools can help you prepare questions. They are general guides, not personal advice.
Compare Cover
Compare options from 11+ insurers
We compare options from 11+ insurers on our approved product list. Your circumstances, policy terms and budget guide the recommendation.
A selection of provider brands is shown below. Available products and insurers depend on your circumstances and our approved product list.
TAL
AIA
Zurich
MLC Life
MetLife
OnePath
ClearView
NobleOak
TAL
AIA
Zurich
MLC Life
MetLife
OnePath
ClearView
NobleOak
Personal insurance advice
Start with what you have, what you need and what you can afford.
Tim provides personal insurance advice for people arranging first cover, reviewing existing policies or dealing with a change in work, income, debt or family circumstances. Advice is personalised to your circumstances.
For new cover, EvolvU may compare products from 11+ insurers on our approved product list. The available insurer panel and products can change, and an insurer or product may not be available or suitable for every situation.
Already have insurance?
We can help you understand what your current cover does, what it costs and whether the next step is to retain it, adjust it or consider a replacement. Any review costs are explained before you decide.
Our services
The main types of personal insurance cover
Each type has a different purpose, policy wording and trade-offs to consider.
Life Insurance
A lump sum for eligible death or terminal illness
Life insurance can pay a lump sum for an eligible death or terminal illness, subject to policy conditions. Advice can help you consider debts, dependants, ownership and budget.
Income Protection
Support for regular expenses if work stops
Income protection may provide a regular benefit for eligible disability, subject to policy terms. Waiting periods, benefit periods, income evidence and affordability all matter.
Total and Permanent Disability (TPD)
A lump sum where a policy definition is met
TPD cover may pay a lump sum if the relevant permanent-disability definition is met. The definition, how the cover is held and how it interacts with other cover need careful consideration.
Trauma Cover
Cover for specified medical events
Trauma cover may pay a lump sum for a specified medical event that meets the contractual definition. A diagnosis alone does not establish an entitlement.
The EvolvU approach
Advice starts with a useful conversation.
Insurance decisions can involve difficult choices. We make space for your questions, explain the limits as well as the benefits, and help you decide what to do next.
Human-focused advice
Tim takes the time to understand your circumstances before discussing options.
Personalised to your circumstances
Your work, income, commitments, existing cover and budget are all part of the conversation.
Clear explanations
We explain what the policy says, the trade-offs involved and the questions worth asking.
Personal insurance focus
EvolvU focuses on life insurance, income protection, TPD and trauma cover.
Our process
A considered path from first chat to next steps
Step 01
Book a chat
Choose a time to discuss what you need help with and whether advice may be appropriate.
Step 02
Talk through your circumstances
We discuss your work, commitments, existing cover and the questions you want answered.
Step 03
Consider advice options
If you proceed, Tim explains the agreed scope, relevant options, costs and reasons for any recommendation.
Step 04
Decide what happens next
You can take time to consider the advice. Applications and insurer underwriting only proceed if you choose to continue.
Meet Tim
Hi, I'm Tim Grapiglia
I started EvolvU after seeing how hard it can be for people to make sense of cover that affects their household, work and future plans. I wanted to offer a more personal, practical conversation about personal insurance.
From Scarborough, I work with people across Perth and by video around Australia. We can discuss life insurance, income protection, TPD and trauma cover, including cover you already have.
Learn more about Tim and EvolvUSelected Google reviews
What clients have shared
J
Jean Morgan
"Tim was amazing to deal with. He explained everything in a way that actually made sense and was super quick to respond whenever I had questions. It honestly feels like a weight off knowing I'm properly covered now if something ever happens. Really appreciate how easy and stress free he made the whole process."
R
Rani Muker
"I saw Tim's Instagram ad and wasn't sure what to expect but I'm so glad I reached out. We discussed my current situation and helped me plan for the future. We did everything remotely and it was all super smooth and easy. Would definitely recommend!"
B
Brendan Storey
"Appreciate the help your team gave me in getting my income protection insurance in order."
S
Stefan Kolichev
"Tim at EvolvU was great in helping me and my partner sort out our life insurance and income protection. It was great getting advice that actually explained what each policy covered us for and exactly how to structure it. Super handy having a financial planner right around the corner in Scarborough. Definitely recommend!"
Guides and insights
View all articlesHelpful reading before your chat
Where we work
A Scarborough office, supporting Perth and video appointments Australia-wide.
Office appointments are by arrangement. Video appointments can be arranged for people outside Perth.
WA
Western Australia
NSW
New South Wales
VIC
Victoria
QLD
Queensland
SA
South Australia
TAS
Tasmania
ACT
ACT
NT
Northern Territory
Video appointments by arrangement
Scarborough office appointments
Helping people across Australia
Talk through your insurance questions
Tell us what you'd like help with. We'll explain how we work and what the next step could be.