Life Insurance and Income Protection for Airline Pilots
Income Protection for Airline Pilots and Their Families
Your medical, the flying you do, how you’re paid and any cover through your airline or super all shape your personal cover. We help you plan cover around any loss of licence cover, compare policies and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe your airline flying, seat, aircraft type and any training or check duties accurately on a cover application
- Line up how each income protection policy defines disability against time off flying on medical grounds
- Weigh income protection waiting periods against any sick leave and how long time off flying might run
- Read how each income protection policy treats other payments made at the same time, including any loss of licence benefit
- List any cover that comes with the job, such as accident cover or a death benefit through super, beside any cover in each fund
- Compare own and any occupation TPD definitions in any policy you hold or consider, for a career built on a pilot’s licence
- Look at a trauma lump sum for a listed serious illness, paid on its definition rather than time off the flight deck, as new cover outside super
- Set income protection benefit periods and cover end ages against the years you plan to fly
- Check any cover in each super fund and any employer arrangement before a command, a new airline or a move overseas
- Lodge a claim with you, rosters and payslips included, and keep in touch until the insurer reaches a decision
Who We Help
- Cadets and new first officers in their first years of airline flying
- Second officers on long-haul fleets
- Senior first officers preparing for command training
- Captains including check and training captains
- Regional airline pilots on turboprop or jet fleets
- Pilots who fly off duty such as private, glider, aerobatic or instructing work
- Pilots changing airline or moving to an overseas base
- Senior pilots in their late 50s and 60s, including those on six-monthly medicals
- Former military pilots in their first airline years
What we advise on
How Each Cover Works Around Airline Flying
Income Protection
Should illness or injury keep you from flying, what could keep part of your income coming in?
Income protection can pay part of your income after a waiting period, to help with household costs in the meantime.
Together, we’ll compare income protection around airline pay and a career that depends on a current medical.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. The benefit is usually based on your earnings in the 12 months before the illness or injury, and each policy has its own definition of disability. Under each policy’s terms, payments may be reduced by other income paid at the same time, such as other insurance benefits, workers compensation or sick leave.
What we work through with you on income protection:
- The flight deck, simulator and any check or training work you do, matched to how a policy defines being disabled
- Any night, location or travel allowances on your payslip, each matched to the wording a policy uses for insured earnings
- How long time off flying might last, set against any sick leave balance, when picking the wait before payments start
- A benefit period chosen against the years you plan to keep flying, and any age the period runs to
- Monthly loss of licence payments, if you hold such cover, and how an income protection insurer treats them if both are paid
- Any ground duties you take on while you can’t fly, set against each income protection policy’s own test of disability
- A part-time line or fewer duty days, where an airline offers either, checked against a policy’s hours requirement
- Any policy terms on illness or injury while you’re overseas, read if your flying or base takes you abroad
Life Insurance
For the people who rely on your income, what would carry on if you were no longer here?
Life cover can pay your beneficiaries a lump sum towards any debts, everyday costs and the plans you’ve made for them.
We’ll work out a life cover amount with you from any debts, who relies on you and any cover through the job.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Insurers usually ask about your age, your job and any high risk hobbies or sports when you apply. If no beneficiary is named, your estate or the super trustee may decide where the money goes.
What we work through for life cover:
- Any accidental death benefit through your airline job, possibly paid through its super fund, so the same money isn’t counted twice
- Any death cover in the fund your airline pays into, plus any from cadet or military years, totalled once
- Government study and training loans, where any remaining debt is cancelled after any final repayment, set apart from private debts
- Any private training loan or bond, read for what its own terms say happens to the debt at death
- Debts and the household bills your income meets, wherever your base is, added up as the starting figure for cover
- Recipients for each super account, limited to eligible people or your estate, updated as your family life shifts
- Private, glider or aerobatic flying on days off, if you do any, described on a life cover application beside your airline work
- A first command, an overseas base or a growing family, each a point to revisit how much life cover suits you
TPD Insurance
Beyond the flight deck, could your plans still be funded if you could never work again?
TPD cover can pay a lump sum towards debts and future plans if you’re unable to work again, under the policy’s definition.
Together, we’ll read TPD definitions against a flying career that a medical could end while other work stays possible.
A TPD policy can pay a lump sum when illness or injury leaves you unlikely to work again, under the policy’s own definition. Own occupation wording looks at your usual job, while any occupation wording looks at any job suited to your education, training or experience. TPD cover in super usually ends at 65, and a TPD benefit linked to life cover may reduce the life amount when it’s paid.
What we compare with you for TPD:
- Any own occupation wording in a policy, read with you for how a pilot’s usual job would be described
- Simulator instruction, ground school or other aviation work, and whether any occupation wording would count that work as suitable
- Some TPD wording asks whether you can manage daily living on your own, a different question from whether you can fly
- Any TPD test in the fund your airline pays into, and in any fund you leave behind, compared before contributions move
- A partner’s own TPD cover, if you share finances, looked at alongside yours so both incomes are considered
- Debts still owing if you could never work again, totalled so a TPD amount is chosen with them in mind
- Any loss of licence lump sum you hold, planned beside TPD cover, with the TPD wording still read in full
- Your accountant’s view on tax before a TPD lump sum from super is counted on in a plan for life after flying
Trauma Insurance
Facing a serious illness, what could help with treatment costs and the months away from flying?
Trauma cover can pay a lump sum, on the policy’s terms, when a listed condition meets its definition and isn’t excluded.
We’ll explain the definitions in any trauma policy you’re weighing, and how a lump sum could sit beside income protection.
Trauma cover can pay a lump sum based on a listed critical illness or serious injury meeting the policy’s definition, rather than on whether you can work. Medical definitions can be different between insurers, so the wording matters as much as the list. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- Medical definitions for the same illness, which can differ from insurer to insurer, gone through line by line with you
- Trauma cover beside any loss of licence cover you hold, since each pays on its own terms
- Household bills in the early weeks off flying, which a trauma payment could help with if a listed condition meets its definition
- Surgery or recovery keeping you off flying for a stretch, and what a trauma payout could cover meanwhile, on the policy’s terms
- A trauma benefit on the same policy as your death cover, which may reduce what your beneficiaries would later receive
- Your medical certificate after a serious diagnosis, with trauma and income protection cover read side by side
- Your choice of trauma amount, weighed against any savings and leave you already hold
- Flights home for treatment if you’re based interstate or overseas, added in when a trauma amount is chosen
Cover in Super
Since you joined your airline, how well has any cover in your super kept up?
Checking each fund with you can show any cover you hold, and help you keep what suits your flying.
Together, we’ll check any cover in each fund and set out any change in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Any income protection in super runs over the periods your fund’s insurance terms offer or set by default, and each cover ends at an age those terms set. Premiums come out of your super balance.
What we look at in your super with you:
- Any default cover in the fund your airline pays into, or a fund you brought with you from an earlier job
- Super from cadet, general aviation or military years, with each account’s insurance read before anything is merged
- Accident or death cover your job provides through super, if your arrangement includes it, counted once with your other cover
- The job title a fund lists for you, corrected with the fund if the title still reads cadet or an earlier role
- Any health conditions you already have, and how a fund’s PDS treats them under its default cover rules
- Premiums deducted from each fund balance, set against any life, TPD and income protection each fund holds for you
- The age any TPD and life cover in each fund stops, compared with how long you expect to stay on the flight deck
- Any cover sitting in a previous airline’s or employer’s fund, looked at before any rollover to a new fund
Your Medical and Loss of Licence Cover
If a medical kept you on the ground for a while, how could each kind of cover work together?
Lining up each cover before it’s needed can show where they meet and where a gap might sit.
We’ll line up CASA’s test, each policy’s test and any loss of licence cover you hold, with you.
CASA’s guidance asks a pilot to ground themselves for a medically significant condition, which includes any illness or injury, however minor, until a Designated Aviation Medical Examiner (DAME) or CASA clears them. Each life risk policy has its own, separate test. Loss of licence cover is general insurance, outside the cover Ryker’s financial advisers advise on, so we plan the rest of your cover around any you hold, and a general insurance broker explains the policy itself.
What we line up with you:
- A short time off flying on medical grounds, set against the waiting period on any income protection
- Longer time on the ground compared with how each income protection policy defines disability
- A permanent loss of your medical certificate set beside each TPD definition, since the two tests differ
- Any loss of licence lump sum or monthly benefit you hold, taken into account as we plan the rest of your cover
- Payments that may reduce one another under each policy’s terms, such as income protection offsets for other insurance
- Any loss of licence cover that may stop at an age or when you stop flying for a living, with other cover planned around it
- Clearance to fly again by CASA or a DAME, and any partial benefit an income protection policy offers on a return
- Questions about a loss of licence policy itself, referred to a general insurance broker
Cover Through the Airline
How far could any cover tied to your airline job take you, and where might your own begin?
Knowing what each part of any job cover does can show where cover of your own might fit.
Together, we’ll list any cover that comes with your airline job, then look at any gap it leaves.
Some pilots’ pay arrangements include accident cover with a death benefit, which can be met through cover in the employer’s super, and an allowance towards loss of licence insurance. Cover tied to a job may not continue if you leave, and your employer or agreement confirms its terms. If your arrangement works that way, knowing each part first shows what personal cover would add.
What we look at with you on cover through the job:
- Any accident cover through the job, and what it pays on, such as accidental death only, confirmed with your employer and counted with other cover
- A death benefit your employer provides through its super fund, if your arrangement includes one, counted with any other life cover
- Any allowance towards loss of licence insurance, noted in your pay, with the policy itself a question for a broker
- Group income protection or life cover through the airline, where any exists, and the terms that come with it
- What each piece of job cover depends on, whether that is the job itself, a fund or a membership
- A move to another airline, with cover tied to the current job looked at before you resign
- Questions only your employer or agreement can answer, such as when cover ends, sent to them directly
- Personal cover looked at only for any gap left once the cover through the job is counted
Making a Claim
If a claim is ever needed, who could gather the paperwork and follow up with you?
Paperwork gathered with you, and regular follow-up while the insurer assesses the claim, can take some of the load off.
We’ll lodge a claim with you on a personal or super policy, then follow it up while the insurer assesses it.
Moneysmart suggests speaking first to whoever arranged the cover, such as the fund for cover in super, or the insurer or financial adviser for a personal policy. An insurer can ask for medical reports, details of your work duties, including physical requirements and weekly hours, and payslips. The insurer assesses the claim, and a complaint goes first to the insurer or, for cover in super, the fund, then to AFCA if it isn’t resolved.
How we help with a claim:
- A DAME’s findings and your own doctors’ reports, which the insurer asks for your consent before collecting
- Your seat, fleet and duty pattern in the months leading up to time off, set out for the insurer
- Airline pay records showing salary and allowances, gathered so your earnings can be assessed
- Cover in super, whether in your current or an earlier fund, claimed through that fund with you, step by step
- Any loss of licence claim, which goes to that policy’s insurer or the broker who arranged it
- Workers compensation for a duty-related injury, where it applies, which the scheme runs apart from the claims we lodge with you
- Any loss of licence or other insurance payment already received, declared to each insurer whose terms ask about it
- Dates you stopped flying and any return to it, set out with you so the insurer has a clear timeline
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your seat and your flying: Insurers usually ask about your job when you apply. Whether you fly as a captain or first officer, short or long-haul, your aircraft type and any training or check role are part of describing your work accurately.
- Your medical certificate: A Class 1 medical certificate is valid for one year unless CASA advises otherwise. CASA’s rules decide whether you can fly, and each insurance policy has its own, separate test for whether it pays.
- How you’re paid: An income protection benefit is usually worked out from your earnings in the 12 months before the illness or injury, and each policy’s definition of income decides whether night, location or travel allowances are included.
- Your hours and duty days: Some policies only cover you if you work a minimum number of hours each week, which is worth checking if you move to fewer duty days or a part-time line, where your airline offers one.
- Flying outside the airline: Insurers usually ask about high risk hobbies or sports, so any private, glider or aerobatic flying, and any instructing, is worth setting out separately from your airline work.
- Cover that comes with the job: Some pilots’ pay arrangements include accident cover with a death benefit, which can be met through super, or an allowance towards loss of licence insurance. What each relies on is a question for your employer.
- A command, a new airline or an overseas base: A new seat, employer or country can change your pay, any cover tied to the job and the fund your super is paid into, so any policy’s terms on working overseas are worth reading before you go.
- From 60 onwards: From 60, pilots holding an Airline Transport Pilot Licence sit a medical examination every six months, with extra medical and flight review requirements for airline flying. TPD cover in super usually ends at 65, and income protection benefit periods run for a set time or to an age.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Airline Flying, Worked Through Together
Your Seat, Type and Duties Described
Your seat, aircraft type and any training or check role, described accurately on any application.
A Grounding Read Against Each Policy
Time off flying on medical grounds compared with how each policy you hold or consider defines disability.
Planning Around Any Loss of Licence Cover
Any loss of licence cover you hold, noted so the rest of your cover is planned around it.
Flying Allowances Read Against the Wording
Any night, location or travel allowances you receive, checked against each policy’s definition of income.
Airline and Super Cover Listed
Any accident or death cover through the job and any cover in super, listed once with what each relies on.
TPD Wording Read for Flight Deck Skills
TPD wording in any policy you hold or consider, read with you against a pilot’s training and experience.
Cover Checked for the Years From 60
Income protection periods and cover end ages looked at against six-monthly medicals and the years you plan to fly.
Claim Records Gathered With You
Rosters, payslips and your duty pattern gathered with you for a claim, then followed up while it’s assessed.
Proactive, Holistic, and Experienced Financial Planning
We start by listening to how your flying and duty patterns run, how you’re paid and what you’d like your cover to do. We meet in person or online, explain each type of cover and the test it pays on in plain terms, and go at a pace that suits you. Our recommendations come to you in writing so you can read them between trips, and the choice of what to keep, change or leave is always yours.
With your consent, we take on the paperwork alongside you: insurance details from any fund that holds cover for you, any airline cover documents and any policy you hold, and we follow up with insurers while they assess an application. Anyone who shares your plans is welcome to join a conversation. Any loss of licence policy details you share are taken into account when we plan the rest of your cover.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your flying career, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Airline flying can mean a medical renewed on a set cycle, allowances on top of salary, any cover through the airline or super, and any loss of licence cover. Each of these can affect how an insurer assesses an application and how cover pays, so they’re all part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
Each one uses its own test. CASA’s rules decide whether you can fly, and CASA’s guidance asks a pilot to ground themselves for a medically significant condition until a DAME or CASA clears them. That decision is separate from whether any insurance pays.
Income protection looks at its own definition of disability, after a waiting period. TPD looks at the policy’s own occupation, any occupation or daily living wording. Trauma looks at whether a listed condition meets its definition. Any loss of licence cover can pay on its own terms. The insurer decides each claim, and we can line up the definitions in any cover you hold or consider with you.
Free, confidential support is available from Beyond Blue on 1300 22 4636 and Lifeline on 13 11 14.
It depends on the terms of each policy. Some income protection policies reduce their payments by other insurance benefits paid at the same time, and some loss of licence policies reduce a monthly benefit by other income insurance. How each one treats the other is set out in its own terms.
Questions about the loss of licence policy itself go to a general insurance broker, since it’s general insurance and outside the cover Ryker’s financial advisers advise on. We can plan your income protection around any loss of licence cover you hold, so the two are looked at together rather than assumed to add up.
That depends on your pay arrangement. Some pilots’ arrangements include accident cover with a death benefit, which an employer can meet through a death benefit in its super fund, and an allowance towards loss of licence insurance. Any group cover through the job is worth listing too. What each one pays on, and whether it continues if you leave, is a question for your employer or the agreement.
We can list whatever you hold with you, count any death cover once across the job and your super, and then look at whether personal cover is needed for any gap.
From 60, pilots holding an Airline Transport Pilot Licence sit a medical examination every six months and have extra medical and flight review requirements. Your cover has age points of its own: TPD cover in super usually ends at 65, life cover in super usually at 70, and income protection benefit periods run for a set time or to an age.
Those points don’t always line up with the years you plan to fly, so each one is worth looking at. We can review any cover you hold with you against your plans for the years ahead, and the insurer decides on any change.
Insurers usually ask about high risk hobbies or sports, so any private, glider or aerobatic flying, and any instructing, is worth describing separately from your airline work. Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart).
The insurer decides how it views each answer and any terms it offers. We can prepare the application with you, so your flying on and off the job is set out clearly.
Each debt behaves differently at death. For a government study and training loan, the ATO says any remaining debt is cancelled after any final repayment through the final tax return. A private training loan or a bond follows its own terms, so those terms are worth checking.
Any mortgage, other debts and the everyday costs of the people who rely on your income then make up the rest of the total, and any life cover in super or through the job is counted against it. Tax questions go to your accountant. We can work through each part with you, and the insurer decides on the cover it offers.
Getting a quote online can be quick, and it’s based on what you enter, generally with general advice only. It may not ask about a medical renewed on a cycle, flying allowances, any airline cover or any loss of licence cover you hold.
Personal advice looks at how those pieces fit with your debts and your household’s plans, then compares policies from a wide range of insurers with you. The insurer decides on any application and its terms.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. Cadet, first officer or captain, the conversation begins with your flying, your pay and the people your cover is for.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Useful papers include a recent payslip with allowances, each super statement, any airline cover summary, any personal policy schedule and any loss of licence certificate of insurance. Medical records aren’t needed at this first stage, and we’ll decide together what comes next.
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