You’ve taken on a financial commitment like a mortgage, a lease or a financed vehicle, and started thinking about what would happen if you couldn’t pay it.
Or you’ve got people who depend on you, and you want to know they’d be okay if something stopped you earning an income.
Many are referred by their accountant or another adviser, often after a big life moment. Buying a house. Starting a business. Having a child. Taking on debt.
Whether you’re referred by a trusted professional or find us on your own – we are here to help.
Pays a lump sum to your family if you die or are terminally ill. This could help clear debts or provide other financial assistance your family needs.
Pays a lump sum if you can’t ever work again because of illness or injury. Could help with medical costs, modifying your home or replacing future income.
Replaces a portion of your income if you can’t work for a period of time. Paid monthly, like a wage.
Pays a tax-free lump sum if you’re diagnosed with something serious like cancer, a heart attack or a stroke. Used for treatment, time off work, or whatever takes the financial pressure off.
There are too many options, too much fine print, and no easy way to compare like with like across insurers.
If you’ve got a health history, a risky job or something in your family medical history that worries you, we contact a range of insurers up front to understand what terms they’d actually offer.
You find out before you apply what cover is realistic and what it might look like, instead of submitting an application and being blindsided by an unexpected complication.
That also means we can choose an insurer that gives you a favourable outcome for your situation.
The comparison piece is the part most people don’t realise is so hard.
We work through these questions with you so we can compare properly against your actual situation.
When an insurer comes back with an exclusion or a higher premium that doesn’t quite stack up, we push back on your behalf.
Sometimes that changes the outcome. Sometimes we adjust the plan. Either way, you’re not navigating that process on your own.
The blood tests. The doctor’s reports. The financials your accountant has to dig out. We help organise it all.
In many cases, we can arrange for a nurse to come to your home to do the medicals, depending on your location.
It’s not a quick quote, and it’s not something you knock over in an afternoon. But it’s exactly what we’re here for.
That’s the work we do before any cover is in place.
The exact figure depends on whether it’s individual or couple cover, and how complex your situation is. We’ll let you know what to expect early, before you commit.
After that, there are no ongoing fees from us and you’re not locked into a contract.
Your premium goes to the insurer. The insurer pays us a small ongoing amount, which funds the reviews, admin, claims support and the pick-up-the-phone service for as long as you’re a client. This comes out of the insurer’s pocket, not yours.
The difference with us compared to sourcing your own cover is that if there is an issue you get us – not a call centre.
Even a simple “I want to chat about my insurance” is enough to start.
