Life Insurance & Income Protection in Scarborough
Insurance can be confusing, but it doesn’t have to be.
Made simple by your local Financial Services.
If you live in Scarborough, Doubleview, Trigg, Karrinyup, or surrounding areas, EvolvU gives you clear, personal advice so you’re covered when life doesn’t go to plan.
Unlike other financial planners who juggle super, investments, and everything in between, we focus only on insurance - and that means we do it better. No distractions, no over complications, just expert protection that actually works when you need it most.
No jargon. No sales talk. Just expert cover that works.
The process is fast, simple and built around your needs.
The different types of cover
(without the boring stuff)
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Life Insurance
Protect your loved ones
If you’re not around anymore, this makes sure your family isn’t left struggling. It can cover everyday expenses, and pay off the mortgage - so they can grieve without money worries. -
Income Protection
When life hits pause, your income doesn’t
If you’re sick or injured and can’t work for a while, this replaces most of your income - so the bills stay paid and you can focus on getting back on your feet. -
Total Permanent Disability (TPD)
Life can continue, even after a major setback
If something major happens that means you can’t work again, this pays a lump sum to help you adjust - whether that’s medical costs, modifying your home, or simply maintaining financial stability. -
Trauma Cover
Focus on your health and not your finances
For big medical issues like cancer, heart attacks, or strokes. It gives U a lump sum to help cover treatment, take time off work, or just relieve financial pressure while you recover.
Your local advisor
Tim Grapiglia
Director | Financial Planner
Tim has personally helped hundreds of Australians protect their families through tailored life insurance advice. I’ve also been on claim myself, so I understand both sides of the table. I’m here to make this simple, stress-free, and worthwhile.
What Our Clients Are Saying
Rani – ⭐️⭐️⭐️⭐️⭐️
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!
Jean – ⭐️⭐️⭐️⭐️⭐️
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.
Brendan – ⭐️⭐️⭐️⭐️⭐️
Appreciate the help your team gave me in getting my income protection insurance in order.
Flexible appointments that suit U
Face to Face Consult
Prefer to meet in person? We offer face to face appointments for a personalised experience. Sit down with a specialist at our convenient Scarborough location.
Virtual Consult
Busy schedule, or far away from our office? Get access to our premium services wherever you are. Save time with our simple and secure communication that is just as effective.
FAQs
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Centrelink can help a little,. but it’s not much - usually less than what you’d earn working full-time. Plus, it’s not always quick or guaranteed. Having TPD or trauma cover gives you a lump sum so you can actually afford to adjust your life without worrying about whether you qualify for government support.
A client had a stroke in his 40s and was permanently unable to work. He thought he’d be okay with government support, but the disability pension only paid him around $500 per fortnight - not enough for rent, bills, or even daily expenses. If he’d had TPD , he would’ve had a lump sum to adjust his life without stress. -
Private health is great for covering medical treatment, but it doesn’t replace your income if you can’t work, and it won’t help with mortgage payments or everyday bills. That’s where income protection and trauma cover come in - to make sure you have money coming in, even if you can’t work for a while.
A woman in her 30s had private health cover but developed a chronic illness that made her unable to work. Her health insurance paid for hospital visits, but she had zero income for 18 months. If she’d had income protection, she would’ve had financial support the entire time. -
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 insurance 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.