At Ocean’s Financial Services, we help you understand your options, so you can choose the right level of cover for yourself, your family, or your business.

We provide general advice across a range of personal and business insurance products, helping you feel informed and supported at every step.

Life Insurance gives you the reassurance that your family will have financial support if you pass away. It helps your loved ones cover immediate expenses, manage future financial obligations, and gives them time to grieve without added pressure.

We’ll walk you through how Life Insurance works and help you understand the cover that aligns with your goals.

TPD Insurance pays a lump sum if you become permanently disabled due to illness or injury. It’s designed to help with debts, medical costs, rehabilitation, or any lifestyle adjustments needed if you’re unable to return to work.

TPD cover can be funded through superannuation or personally, we’ll help you understand the pros and cons of each.

If illness or injury prevents you from working, Income Protection provides regular payments to help replace a portion of your income. Payments continue until you can return to work, reach the policy end date, or retire, whichever comes first.

We can help you understand waiting periods, benefit periods, and the right structure for your situation.

Also known as Critical Illness Cover, Trauma insurance pays a lump sum if you’re diagnosed with a serious illness or suffer a critical injury. This may include cancer, heart attack, stroke, or major head trauma.

Trauma cover can help pay for treatment, rehabilitation, or support your family during recovery. Note: Trauma insurance does not cover mental health conditions.

Child Cover provides financial support if your child suffers a serious illness or passes away. It offers up to $200,000 in cover for children aged 2–18, helping cover medical treatment, travel costs, or time off work for parents.

It’s not something any parent wants to think about, but it’s a powerful way to provide protection when it matters most.

If you run a business, Business Expense Cover can help pay for your ongoing fixed costs like rent, equipment, staff wages, or utilities if you can’t work due to illness or injury.

It’s essential cover for sole traders, professionals and business owners who want to protect their operations if the unexpected happens.

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