Our Services
Expert insurance services personalised for U
Discover cover that’s built around U - with smart, no fuss solutions designed to protect your tomorrow
Life Insurance Advice
The right cover, tailored to U.
Life is unpredictable, but the right life insurance ensures your loved ones are financially secure if something happens to U.
We help U:
Review existing cover
Ensure Ur current policy still meets Ur needs.Find the best options for new cover
Get expert advice on the right policy for U.Maintain and manage Ur cover
We make sure U’re protected long-term, with ongoing support.Tailored solutions
No one-size-fits-all policies. U get insurance that fits Ur life, not the other way around.
Let’s find the best life insurance solution for U.
Policy Review
When was the last time U reviewed your cover?
Insurance isn’t a set-and-forget decision. If U haven’t reviewed your policy in years - or if your adviser never checks in - it’s time for a review.
Policy change
Your cover might not be as effective as it once was.Ur life changes
Marriage, kids, mortgage? Make sure your insurance keeps up.No hidden costs
We start with an obligation-free review to make sure your cover actually fits your life.
A quick chat could save U thousands - or ensure you’re actually covered when U need it the most.
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, our income doesn’t too
If your 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.
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.
Your journey
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Week 1
What happens
Quick phone or video chat to explore your family, finances and goals.
Why it matters
Confirms we’re a fit before you lift a finger. -
Week 1-2
What happens
Secure online questionnaire - 100% virtual, complete whenever suits you (PDF version also available).
Why it matters
Richer info results in laser targeted cover and pricing. -
Week 2
What happens
In person at our Perth office or virtual screen share. We get to understand you, what’s important to you, walk you through cover options, and tweak until it feels spot on.
Why it matters
You leave crystal clear on what you’re covered for, why and what it costs (minus the jargon). -
Week 3
What happens
We pre-assess with multiple insurers, compare 40+ features and crunch the numbers. Then we formulate your personalised Statement of Advice.
Why it matters
Pinpoints the best fit and documents every recommendation. -
Week 4
What happens
We present your formal advice, explain costs, and answer every question.
Why it matters
Total transparency so you sign off with confidence. -
Week 5
What happens
We manage all paperwork and medicals - usually a single phone interview with yourself.
Why it matters
Getting details right now is what makes a policy pay you later. -
Week 6
What happens
Approval email + digital policy pack land in your inbox. Premiums only start once cover is active.
Why it matters
From that moment, life’s curveballs can’t derail your financial future. -
Ongoing
What happens
Annual check-ins plus biannual reviews (almost no advisers go this far) and full claims support whenever you need it.
Why it matters
Your cover evolves as you do, so you’re never over paying or are under protected.
*Time frames are estimates. We’ll keep you updated every step of the way.
Why we use a Financial Planner
and invest a little more time up front
Yes, you can jump online and “get covered” in an hour, but here’s the extra that we provide you:
Qualified personal advice
Your plan is crafted by licensed Financial Planners with years of hands on experience. This means you get advice tailored to your life, not one size fits all information from someone without formal Financial Planning credentials.
Pre-underwriting health check
We discreetly run your medical details past multiple insurers first, so we can place you with the most likely to offer the best terms and premiums.
Feature depth
Many quick policies cap benefits, exclude common illnesses, or bury nasty surprises in the fine print.
Policy audit & clarity
We compare any cover you already hold, translate the fine print into plain English, and tell you whether it’s worth keeping.
Increase claims certainty
Lightly under-written policies ask the tough questions at claim time, when your family is already under stress.
Tailoring
Off the shelf policies rarely match your income cycle, debts, family size, or job risks.
Price & structure reality
Because we shop the whole market and advise on the smartest way to hold cover whether that be inside super, outside super, or a hybrid approach - you often pay the same or less than a generic policy while getting a structure that truly suits your cash flow and tax position.
Independent selection
We work for you, not the insurers. With 11 reputable providers, each paying us the same commission. We recommend the mix of quality and cost that best serves your needs.
We’d rather spend a few extra weeks getting it right, than to watch a family’s world fall apart later because an online policy said “no” when it mattered. That up front care is how you future proof the people you love, and your finances.
The policy we place today is the cheque your family hopes they’ll never need to cash in, but can, in ten years when emotions, hospital bills, and time off work are already more than enough to handle.