General advice — Life, TPD, Trauma & Income Protection
We explain Life, TPD, Trauma and Income Protection cover in plain language, with options from the insurers we work with, without the jargon.
General advice only — see the disclaimer in the footer.
Four kinds of protection, each doing a different job. We explain how each cover works so you can decide what to look into.
A lump sum paid to your family if you pass away, to cover debts, replace income and give them breathing room.
Often relevant for: Families, mortgage holders, business partners
Learn more →Total & Permanent Disability cover pays a lump sum if an illness or injury means you can never work again.
Often relevant for: Anyone who relies on earning an income
Learn more →Also called Critical Illness cover — a lump sum on diagnosis of conditions like cancer, heart attack or stroke.
Often relevant for: Households without a big savings buffer
Learn more →Replaces a portion of your income if you're unable to work due to illness or injury, month after month.
Often relevant for: Employees and the self-employed
Learn more →A quick, general guide — enter your own numbers and we'll estimate a starting point. It's not personal advice, but it's a good place to start the conversation.
This calculator is general in nature and doesn't take your personal objectives, financial situation or needs into account. It's not personal advice, and the result isn't a recommendation — it's a rough guide to help you start a conversation with us. Actual cover you can apply for depends on insurer underwriting.
We're a general advice practice — we explain how cover works and help you apply.
We provide general information about cover from the insurers we work with, including features, price and policy definitions.
No jargon walls. We explain what's covered, what isn't, and what a policy actually pays out for — in writing.
We stay in your corner for policy reviews, changes in circumstances, and if you ever need to make a claim.
How it works
Four easy steps. You tell us about yourself, and we explain the options and guide you through the application, so there's no need to work through policy documents on your own.
A short form or a quick call: your situation, your family, what you're trying to protect.
We show you options from our product providers and explain the differences in plain language.
We help you complete the application and any medical underwriting requirements, step by step.
Cover goes in place, and we stay on hand for reviews and claims support.
That's it. No jargon, no pressure, and no cost to start the conversation.
Start with step 1Tell us a little about what you're after — we'll come back with options, not a sales pitch.
