Insurance isn't about expecting the worst — it's about making sure the worst doesn't derail everything you've worked for. We help you understand what you actually need, and make sure you have it.
Most people with personal insurance either have too little, have the wrong type, or are paying far too much for what they've got. The default insurance inside your superannuation fund is a good starting point — but it's rarely the right end point.
We conduct a proper needs analysis based on your income, debts, dependants, and overall financial position. The result is a recommendation that's sized for your life — not a generic policy.
Insurance premiums can be paid from your superannuation, which is tax-effective and cash-flow friendly. But holding cover inside super can have limitations around claim definitions, beneficiary payments, and tax treatment of payouts. We help you find the right structure for each type of cover.
Your insurance needs change as your life changes. A policy that was right when you were 35 and single may leave you dangerously underinsured at 45 with a mortgage and two children. We build insurance reviews into every client's ongoing relationship with us.
Review Your CoverA straightforward conversation with Geoff could give you more clarity than years of going it alone. There's no obligation — just honest, practical advice from someone who's been doing this for over two decades.
