The right cover. Nothing more, nothing less.
Most Australians are either over-insured, under-insured, or paying for cover they’d never actually claim on. An independent review maps exactly where you stand and what, if anything, needs to change.
Insurance review that’s designed to save you money.
Most insurance reviews are just a sales pitch in disguise. We don’t sell insurance and we’re not paid commissions, so our advice has one job: tell you exactly what cover you need, what you don’t, and where you’re being overcharged.
Reviews typically uncover one of two things: premiums that can be reduced without losing meaningful cover, or gaps that could be costly at claim time. Sometimes both.
Cover gap analysis
We map your current cover against your actual risks, income, debts, dependents, lifestyle. You’ll see exactly where you’re exposed and where you’re over-covered.
Income protection
Your income is your biggest asset. We make sure it’s protected with cover that actually pays out when you need it, not policies riddled with exclusions you didn’t know about.
Life & TPD
Tailored life and Total & Permanent Disability cover sized to your actual needs, your debts, dependents, and what your family would need to maintain their lifestyle.
Super-funded structure
Where it makes sense, we structure cover through your super so premiums don’t hit your cash flow. Done right, this can fund decades of cover from money you wouldn’t notice.
We don't sell insurance. We review it.
Most “insurance advisers” make money when you buy a policy. That changes the advice. We charge a flat fee for the review and don’t accept commissions, which means our advice can be: “Your existing cover is fine, don’t change anything.” Or: “Drop these three policies, you don’t need them.”
That kind of advice is rare in the insurance industry. It’s also the only kind worth paying for.
Insurance reviews designed to pay for themselves.
Three situations where reviewing your cover almost always uncovers something worth fixing.
The transition
You’ve had a baby, paid off the mortgage, started a business, or your kids have left home. Your insurance needs are now completely different, but the policies usually haven’t kept up.
Trigger: Marriage, kids, business, retirement
The downshift
You’re 5–10 years from retirement and probably over-insured for where you’re heading. We help you scale cover down responsibly without leaving you exposed in the wind-down years.
Common ages: 55-67
The clean-up
You’re retired and still paying premiums on cover you probably don’t need anymore, or have insurance trapped in old super accounts you’ve forgotten about. We find it and fix it.
Common ages: 65+
Three steps to insurance you understand.
Take the quiz
Answer a few questions about your situation, dependents, and current cover. We’ll give you an indication of whether a review would meaningfully help.
Free strategy call
15 minutes with Jordan to map your situation. She’ll match you with Scott or Phil for a deeper insurance review session.
Your insurance plan
A clear written review of what to keep, what to drop, and what to change, with specific recommendations and the reasoning behind each one.
Insurance questions, answered straight.
If yours isn’t here, book a free call and ask us directly.The information below is general in nature and doesn’t take into account your personal circumstances.
Do I need insurance if I already have it through super?
Maybe, maybe not. Default super cover is usually generic, not matched to your actual situation. We’ve seen it work fine for some clients and leave others dangerously under-covered. The only way to know is to map it against your real needs, which is exactly what the review does.
Can I pay for insurance through my super?
For life and TPD, generally yes. For income protection, sometimes, but the rules changed and there are tax implications either way. Done well, super-funded insurance is a great way to keep cover without affecting your cash flow. Done badly, it slowly drains your retirement savings. We’ll show you the trade-off.
What types of insurance do you advise on?
Income protection, life cover, Total & Permanent Disability (TPD), and trauma/critical illness. We don’t advise on general insurance (home, car, contents), that’s a different licence and different specialists do it better.
I already have insurance, do I really need this?
Most existing-policy reviews find one of three things: cover that’s wildly out of date for your current situation, duplicated policies you forgot you had, or cover with exclusions that mean you’d never actually claim on it. Worth checking, especially if your last review was 5+ years ago.
Are you commission-free?
Yes. We charge a flat fee for the insurance review and don’t accept commissions from insurers. This is the only way our advice can be genuinely impartial, including telling you to keep what you’ve got and not change anything.
How does insurance fit into my overall plan?
Insurance isn’t a standalone product, it’s the safety net under your retirement plan. If you’re a retirement planning client, the insurance review is built in. If you’re just here for insurance specifically, that’s fine too, we can do it as a one-off engagement.
Find out what cover you actually need.
15 minutes. Free. We’ll give you a clear sense of where you’re under-covered, over-covered, or paying for the wrong policy entirely.