Life insurance provides a lump sum under circumstances defined in the policy, such as death or terminal illness. We provide general advice explaining coverage types, policy features, and differences across our approved panel.
TPD insurance provides a lump sum if a person becomes totally and permanently disabled. Our general advice explains policy definitions, benefit structures, and differences across products.
Income protection insurance replaces a portion of income if unable to work due to illness or injury. We provide general advice on waiting periods, benefit periods, and premium structures.
Trauma insurance provides a lump sum upon diagnosis of specified medical conditions. Our general advice explains key conditions, policy features, and differences across products.
We provide a referral service to trusted third-party providers. Our general advice explains types of cover (hospital, extras, combined) and differences between providers, without recommending a policy.
Premiums depend on factors such as coverage amount, age, occupation, waiting periods, benefit periods, premium structure (Variable, Variable-Age Stepped, Optimum/Hybrid), and optional features. We provide general advice explaining these factors.
Super: Premiums paid from your super balance; coverage subject to fund rules. SMSF: Policies held within a self-managed super fund; must comply with SMSF regulations. Out-of-Pocket: Policies purchased directly; full choice of insurer and features.
We provide general advice explaining these differences and considerations.
No. All information is general advice only and does not consider your personal objectives, financial situation, or needs. You should review the relevant Product Disclosure Statement (PDS).
No. We provide general advice and comparisons across our approved panel. We do not provide personal advice or recommend specific policies.
Review the Product Disclosure Statement (PDS) provided by the insurer. Our general advice helps explain key features and differences in general terms.
Some policies may allow portability or switching, depending on insurer rules. We provide general advice on how this generally works.
Periodic review is recommended to understand changes in product features, premiums, or coverage structures. Our general advice explains what to consider.
Yes. Policies often include waiting periods. We provide general advice explaining typical waiting periods for different types of insurance.
Exclusions and limitations define when benefits will or will not be paid. We provide general advice explaining common examples across products.
Yes, policies can be held through super, SMSF, or out-of-pocket. We provide general advice explaining considerations for holding multiple policies without recommending a strategy.
Premiums may change depending on the policy structure (Variable, Variable-Age Stepped, Optimum/Hybrid) and insurer rules. Our general advice explains how premiums generally operate.
Insurance through super or SMSF is subject to fund rules and legislation, which can impact eligibility, coverage, and benefit payments. We provide general advice explaining these differences.
No. All information is general advice. It does not take into account your personal circumstances.
If you require advice tailored to your circumstances, contact a licensed financial adviser. Our services are limited to general advice under AFSL 340289 through Wealth Today Pty Ltd (AR 462603).