Hey, that’s brilliant! Getting cover while you’re healthy is when it’s cheapest. None of us plans a dodgy knee or a shock diagnosis, but if life throws one at you, insurance means you’re not raiding savings or phoning Mum for a loan. Wait until after an injury and the price skyrockets, or you might not qualify at all.

My mate Dan is a super fit PT, never missed leg day, until soccer ripped his ACL. Six months off work, rent still due, savings gone. If he’d covered himself with Income Protection first, 75 % of his pay would’ve rolled in while he binge watched rehab videos.

I hear you, no one loves paying bills. The real question: if cancer, a crash, or burnout stopped your paycheck, how would the mortgage get paid? We set cover so you’re only buying what matters, nothing flashy. Most folks are shocked at how little the “sleep easy” number actually is.

$50 a month felt steep to Sarah and Liam, until Liam’s cancer diagnosis. Their Trauma Policy paid $200k, covering treatment and lost income. That $50? Best investment they ever made.

Your folks are legends, but should they dip into retirement or re-mortgage the house because you broke a leg? Insurance lets you stay independent and keeps family hugs purely emotional. not financial.

Jake’s motorbike crash meant eight months off work. Mum and Dad took a loan, delayed retirement, even sold a tiny investment property. He later told me, “One income-protection policy and none of that drama would’ve happened.”

Love that forward thinking! Savings build the future you - a luxurious Bali trip, a home deposit, maybe a Tesla. Burning that stash on living costs for a year? Hard pass. Insurance guards the piggy bank so you don’t restart at zero.

Mark had $40k in the bank. A lengthy illness drained it in six months, then he sold the car and moved back with family. With cover, he’d have drawn an income and kept the nest egg intact.

Great start! Quick question: do you know the actual dollar figure? Most default super cover is tiny - built to clear a credit card balance, not replace your wage or keep the kids in school. A five minute check up shows whether you’re sweet or need a top up.

Alex thought he had full cover in his super. Turned out his life cover was $100k - less than half his mortgage. We boosted it; a year later a back injury claim paid him for five years. Crisis averted.

Makes sense, budgets can be hard to juggle. Thing is, premiums rise with age and any new health hiccup. Securing cover young is like scoring cheap concert tickets before they sell out.

Ella delayed cover. Three years later she received a MS diagnosis and that made her uninsurable for Trauma Cover and TPD. She told me, “I thought time was on our side - turns out it wasn’t.”

Workers’ comp is awesome - for injuries at work. Snap an ankle hiking, develop depression, or catch glandular fever? Workers’ comp shrugs. Income Protection pays you no matter where the incident happens.

Tradie Ben slipped a disc lifting at the gym. Not work related, so workers’ comp paid $0. Six months with no income. Income Protection would’ve covered 75 % of his wage from day one.

Totally get the scepticism headline horror stories stick. Reality: insurers pay billions every year when policies are set up right. My job is killing loopholes so a claim feels more “done and dusted” than a “paperwork headache.”

Client with a rare illness feared a denial. Because we nailed the wording upfront, his trauma claim cleared in four weeks - $250 k straight to his bank.

Centrelink can help a little, but it’s not much - usually less than what you’d earn working full time and approval can drag on. A TPD (Total & Permanent Disability) or trauma policy provides a one off lump sum into your account, so you can sort out ramps, rehab, or time off work without waiting if the government will say yes.

One client in his 40s survived a stroke but could never work again. The disability pension? About $500 a fortnight - barely even rent money. With TPD he could’ve paid off the mortgage and set up his home for life in a wheelchair.

Totally fair. Here’s the deal: the insurer’s commission funds my ongoing service. When it’s claim time, my fee is already covered no extra invoice landing in your inbox. If you prefer fee for advice instead, we can flip the model. Your choice, same quality.

A client asked me why advisers get commissions. A year later, when he needed to lodge a claim, I handled the entire process for him - submitting paperwork, dealing with the insurer, and making sure he got paid. He told me, “Now I get it - you’re not just here at the start, you’re here when I actually need this to work.”

I work like a mortgage broker for insurance - compare a bunch of providers, shortlist the best fit, then show you side by side numbers. If the cover doesn’t work at claim time, it’s my phone that rings; no commission is worth that headache.

I once placed a policy with lower commissions because it had a better claims statistics. My client came back later and said, ‘“You choosing the lower paid option proved you’re on my side.” That’s exactly why we do things this way.

Health insurance is brilliant for hospital bills, but it doesn’t pay your wage. Mortgage, groceries, Netflix - all still due while you’re stuck in bed. That’s where Income Protection, TPD, or Trauma Cover slot in, replacing earnings so life keeps moving.

Sarah’s health fund covered her surgeries, but when chronic illness stopped her working for 18 months, her income hit $0. Income protection would’ve kept money flowing the whole time.

That’s something I always plan for upfront. We price the cover so it’s sustainable now and adjustable later. Lose a contract? New baby? We can shrink benefit periods or tweak waiting times to dial the cost down - without leaving you exposed.

Mark nearly cancelled during a cash flow crunch. Instead, we trimmed benefits and he kept pared back cover. Two years later he claimed. “Best call I ever made,” he said.

That makes sense for life cover, but it’s not just about dependents. If something happened to you, who would your cover your debts, funeral costs, or medical bills? Plus, other covers like Income Protection and Trauma Cover are really about protecting you, not just your family.

A single guy in his 40s thought life insurance was pointless, but when we talked, he realised if he died, his brother would be stuck with his mortgage debt and funeral costs. We set up a small policy to cover those things so his family wouldn’t be burdened.

I get it - no one likes thinking about worst case scenarios. But the way I see it, insurance isn’t about focusing on bad things - it’s about making sure that if life throws you a curve ball, you don’t have to worry about money on top of everything else. It’s about having peace of mind, so you can get on with life without stress.

One of my clients said the same thing - until his best friend was diagnosed with cancer at 35. He called me and said, “I need to sort this out. I don’t want to think about it, but I don’t want to ignore it either.” It’s not about focusing on bad things - it’s about being prepared, just in case.