We start by understanding which types of cover matter most to you whether it’s:

• Life Insurance
• Total & Permanent Disability (TPD)
• Income Protection • Trauma / Crisis Cover
• Business Expense Cover

You decide what you’d like to focus on, we’re here to support your choices.

You’re in control of how much cover you want. We’ll talk through:

• What each type of cover protects
• Typical cover amounts
• How each option could apply to your personal or business circumstances

If you’re considering Income Protection, there are a couple of important details to decide:

• Waiting Period – how long before benefits begin (e.g., 30, 60 or 90 days)
• Benefit Period – how long payments could continue (e.g., 2–5 years or up to retirement age)

We’ll explain how these options work and what they could mean for your cover and premiums.

Depending on the policy and structure, premiums can be:
• Funded through your superannuation
• Paid personally or through your business

We’ll help you understand your payment options and how they may affect your cash flow or cover.

Once we’ve gathered your preferences, we’ll provide a selection of quotes based on your needs, typically two or more options for comparison.

You decide which option suits you best. When you’re ready, we’ll handle the submission to the insurer and walk you through the next steps.