Income and wealth protection

Everything you’re building rests on your ability to earn. Illness or injury can put that at risk, and the cover most people hold was set years ago inside super, unread since. We review what you have, work out what actually needs protecting, and structure cover around your position.

Is this right for you?

The positions where protection stops being a default and starts needing a decision

Your only cover is whatever came with your super

Most people hold the default insurance their fund gave them years ago. Whether it matches your income, your debts, and your family today is a different question, and one worth answering before it's tested.

Your income carries a mortgage, a family, or both

The larger the commitments resting on your income, the more expensive an interruption becomes. Because our planners sit alongside our lending team, the cover gets sized against your actual debts and repayments, not a rule of thumb.

You don't know if your cover should sit inside or outside super

Premiums, tax treatment, and how a claim is paid all differ depending on where the cover sits. One team across planning and tax means that decision is made with your whole position in view, not by default.

You're self-employed or run a business

No employer sick leave, no safety net between you and the mortgage. For business owners, protecting income and protecting the business are two separate questions, and both need answering.

You're paying premiums and don't know what they buy

Definitions decide claims. What counts as being unable to work, how long payments last, and what's excluded vary widely between policies. A proper review tells you what you actually hold, and whether it's still worth what it costs.

How It Works

A clear process from the cover you have to the cover you actually need

Review What You Hold

We start with the cover you already have, in super and outside it. What it covers, what it excludes, and what it costs.

Work Out What Needs Protecting

We size the need against your real position. Income, debts, family, and business commitments, read with our lending and tax teams.

Structure Structure The CoverLoan

We recommend how the cover should be held, inside or outside super, and arrange it around your position.

Review As Life Changes

A new loan, a new child, a business change. Cover set once and forgotten drifts away from what it's meant to protect, so we review it with you.

Frequently Asked Questions

Don't I already have insurance through my super?

Probably, and that’s exactly why it’s worth reviewing. Most funds include default life and disability cover, but it’s set at a standard level with no assessment of your income, debts, or health. It quietly reduces as you age with some funds, and it can switch off if your account goes inactive. Knowing what you actually hold is the starting point, not a reason to stop looking.

How much cover do I actually need?

Enough that the people and commitments relying on your income aren’t exposed. In practice that means working through your debts, your living costs, how long your family would need support, and what you already hold in super and savings. It’s a calculation from your real position, not a round number. And it changes over time, which is why cover should be reviewed, not set once.

Is it better to hold insurance inside or outside super?

Each has real trade-offs. Inside super, premiums come from your balance rather than your pocket, which helps cash flow but erodes retirement savings. Outside super, income protection premiums are generally tax deductible, and policy definitions are often stronger. Some cover can also be split across both. The right structure depends on your income, tax position, and the quality of cover, which is exactly why we read it as one decision.

Do insurers actually pay claims?

The skepticism is understandable, and the honest answer is that most legitimate claims are paid. Where people come unstuck is definitions. Default cover in super is not individually underwritten, so your circumstances are assessed at claim time rather than upfront, and the definitions can be harder to meet. A properly structured, underwritten policy costs more attention now and far less grief at claim time.

I'm healthy and have savings. Do I need insurance at all?

Maybe less than someone with a mortgage and young children, and that’s a legitimate conclusion to reach. The question is what would happen if your income stopped for two years, or permanently. If your assets could genuinely carry that, self-insuring part of the risk is reasonable. For most people mid-career, the gap between what they hold and what they’d need is bigger than they think. Either way, it should be a decision, not a default.

Why not just wait until I need it?

Because insurance is priced and assessed on your health when you apply, not when you claim. A condition diagnosed while you’re uninsured generally becomes excluded or loaded once you do apply, and it’s the most common regret in this area. The same logic applies to cancelling existing cover before new cover is in place. Timing matters more with insurance than with almost any other financial decision.

DO YOU KNOW WHAT YOUR COVER ACTUALLY COVERS?

Have a conversation with us. We’ll tell you clearly where you stand