Personal Insurance Advice Canberra
Personal insurance advice from advisers who don't earn more by recommending more cover
Most insurance advice in Australia is paid for by commission, so the adviser earns more when you buy more cover. We don't take commissions. We charge a fixed fee and recommend only the cover you actually need, structured to keep it affordable and to pay out when it matters.
1%
Only around 1% of financial planners in Australia are independent. We are one of them.
Independent means no commissions, no kickbacks, and no ownership or ties to a product provider like a bank or super fund.
Why personal insurance is easy to get wrong
Personal insurance is one of the few things you buy hoping you never use it, and one of the easiest to get wrong. Too little cover and your family is exposed at the worst possible moment. Too much, or the wrong type, and you are paying for years for something that does not fit.
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The trouble is that most of the guidance out there is not neutral. Comparison sites are built to sell policies. Insurers want you in their product. And most insurance advisers are paid by commission, a percentage of your premium, which means the more cover they sell you, and the more expensive the policy, the more they earn. Even good advisers are working inside that incentive.
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So you are left trying to answer hard questions on your own.
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How much life cover is enough?
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Do you need income protection as well, or instead?
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Should it be inside your super or outside?
Independent insurance advice, no commissions
We are genuinely independent. We take no commissions, charge no asset-based fees, and are not owned by a bank or an insurer. On insurance specifically, that matters more than almost anywhere else, because commission is the industry norm and it shapes the advice most people get.
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We charge a fixed fee you agree up front. We do not earn a cent more by recommending more cover, a pricier policy, or a particular insurer. Our only job is to work out what you and your family actually need, and to structure it so it is affordable and holds up at claim time.
"Andrew has been exceptionally conscientious in providing a service to me. He was undertaking my yearly financial review. Andrew was able to understand the factors affecting my current circumstances and made very useful recommendations. He is clearly very knowledgeable as a financial advisor and I felt I could trust him. I would certainly recommend him to others."
- Lyn, Adviser Ratings
Personal insurance advice with us typically covers
A needs analysis
What your family or business would actually require if you died, could not work, or were seriously ill, translated into specific cover amounts rather than a guess.
Structure: inside or outside super
How to hold each cover for the best mix of tax, cashflow and claims certainty, with the trade-offs explained plainly.
The right mix of cover
Which of life, TPD, trauma and income protection you need, and which you do not, so you are not paying for cover that does not fit.
Beneficiary and ownership setup
Nominations and ownership arranged so the payout goes to the right person, tax-effectively, and lines up with your estate plan.
How personal insurance advice works
1
Complimentary introductory call
We talk through your situation, who depends on you, and what you are trying to protect. No cost, no obligation.
2
Discovery and needs analysis
If you decide to go ahead, we work out what cover you actually need and why. We tell you the fixed fee up front before any work begins.
3
Recommendation
We present the right mix, amount and structure of cover, in plain English, with the reasoning laid out.
4
Putting it in place
We help arrange the cover and set up ownership and nominations correctly. Sometimes this involves a referral to a specialist insurance broker along with our needs analysis and structuring suggestions for retail insurance policies.
5
Reviewing it
Your needs change with your mortgage, your income and your family, so we review your cover as life moves rather than setting it once and forgetting it.
Trusted to deliver with your best interests first
"Andrew provided clear and succinct advice and answered my questions fully. I feel confident that the advice given was right for my needs. I would recommend Andrew as an advisor."
- Jennifer, Adviser Ratings
"Andrew provided clear and easy to understand information regarding my current superannuation and strategies for continued growth. His advice was tailored to my needs and personal situation. I felt very confident and positive with his advice."
- Juliet, Adviser Ratings