Personal risk insurance protects your income, your family and your lifestyle if something unexpected happens, illness, injury, disability or death. The right mix gives you financial breathing room at exactly the time you need it most.
We advise across the main types of cover:
A free, no-obligation chat is the easiest first step. We'll talk through your situation and what cover genuinely fits, no pressure to proceed.
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A few of the specific covers we're asked about most.
A lump sum paid to the people who depend on you if you pass away, so a mortgage, debts or day-to-day costs don't become a burden on top of grief. We help you work out how much cover genuinely fits your situation.
Faster access to specialists, diagnostics and elective treatment, without the public system's wait. We compare providers and help you weigh up excess levels, surgical-only versus comprehensive cover, and what's realistic for your budget.
A lump sum paid on diagnosis of a serious condition, such as cancer, stroke or a heart attack, to cover treatment costs, income gaps, or simply give you room to recover without financial pressure.
If illness or injury stops you from working, these covers replace part of your income or keep up your home loan repayments while you're unable to earn. We help you work out how much cover you'd actually need.
A clear, step-by-step process built around what actually matters to you.
We discuss your family, income, debts and what you'd want to happen if life threw a curveball.
We work out where you're exposed and how much cover would actually make a difference.
We compare insurers and recommend a package that fits your priorities and budget.
We help you complete applications and guide you through any health questions.
We review your cover regularly and stand beside you at claim time.
How we're paid. Our risk insurance advice is generally provided at no direct cost to you. We're usually paid a commission by the insurer when a policy is put in place. This doesn't change our duty to recommend what's right for you, and we're transparent about how we're remunerated. Full details are in our Public Disclosure statement.
If you're also arranging or reviewing a home loan, our mortgage advice covers the lending side, so your cover and your mortgage are structured to work together. Explore mortgage advice →
It depends on your income, debts, dependants and lifestyle. There's no magic number, the goal is enough cover to protect your family without over-insuring. We'll help you find that balance.
Trauma (critical illness) pays a lump sum if you're diagnosed with a serious condition like cancer or a heart attack. Income protection pays a regular amount to replace part of your income if you can't work. Many people benefit from a mix.
Yes. Cover that was right a few years ago can become outdated as your income, mortgage and family change. A review makes sure you're not under- or over-insured, and that you're not overpaying.
They can. Insurers assess your health when you apply, and some conditions may lead to exclusions or loading. We help you understand this up front and find the insurer most likely to offer suitable terms.
Yes, supporting you at claim time is one of the most important parts of what we do. We help you through the process so you can focus on what matters.