Life Insurance With a Back or Joint Condition
Income Protection for You and Your Family With a Back or Joint Condition
Back pain, a disc or knee injury, osteoarthritis or gout can shape what an insurer asks about life, TPD, trauma and income protection. We’ll help you prepare an application, read any offer and check any cover you already hold.
Our Financial Advice Team Is Here to Help You
We Can Help You
- Set out your back or joint history by date for an insurance application, including any episodes, scans, physio or surgery
- Describe your actual daily duties, physical or not, on an income protection or TPD application
- Answer a back and neck pain or arthritis and gout questionnaire from your GP and any physio notes, if a cover application includes one
- Read how far a spine or joint exclusion reaches on an income protection offer before you accept it
- Ask the insurer what a later review of a back or joint exclusion on your policy would need, in writing
- Compare what a new offer and any cover in your super each say about your back before cancelling either
- Check any disability benefits your fund provides for a back or joint condition, whether monthly payments or a lump sum
- Plan when to apply for cover around a surgery date, a specialist referral or a recent flare-up of back pain
- Explain how any personal insurance sits apart from workers compensation after a back or joint injury at work
- Gather surgeon and physio reports for an income protection or TPD claim after a back or joint injury
Who We Help
- Anyone with a disc injury or a week off with their back, now applying for income protection
- Anyone awaiting surgery on their back, hip, knee or shoulder, and thinking about cover first
- Applicants holding an offer with a spine exclusion, and wanting to know what it reaches
- Tradies, carers and drivers whose work is physical and whose income relies on it
- Players back in sport after a knee reconstruction and looking at cover
- People with osteoarthritis or gout wanting to know what a form will ask
- Adults living with fibromyalgia and unsure which health questions it falls under
- Contractors and sole traders with a back history, weighing up income protection without sick leave
- Policyholders with an older exclusion for the back or a joint, asking whether it can be reviewed
Back, neck, joint and bone conditions
Your Back, Your Joints and Your Work, Understood First
What We’d Want to Go Through
- Lower back pain: the likely cause, how many episodes and when the last was, any time off work, and your job
- Neck pain or whiplash: how it started, any scans, any treatment, how often symptoms return, and any time off work
- A disc prolapse or bulge: which part of the spine, any nerve symptoms, any scans or surgery, and how things are now
- Sciatica: the cause if one was found, how long it lasted, any treatment, and when symptoms last appeared
- Back or neck surgery, including spinal fusion: what was done and when, how recovery went, any ongoing symptoms, and whether you’re back at usual work
- Spinal stenosis or spondylolisthesis: where in the spine, any symptoms in the legs, any treatment or surgery, and the effect on work
- Scoliosis: how it was found, any bracing or surgery, and any pain or limits day to day
- Osteoarthritis: which joints, how it affects movement and work, any medication, and any surgery planned
- Hip or knee replacement: which joint and when, how recovery went, any ongoing pain or limits, and the work you do
- Knee reconstruction, or an ACL or cartilage tear: which knee, any surgery and when, how stable it is now, and how physical your work is
- A shoulder condition, such as a rotator cuff tear: the diagnosis and which side, any surgery or physiotherapy, and any time off or limits at work
- Carpal tunnel syndrome or RSI: which hand or arm, any treatment or surgery, any recurrences, and the tasks your job involves
- Gout: which joints, how often attacks happen, any medication or tests, and any time off work
- Osteoporosis: how it was found, any bone density results, any fractures, and any treatment
- Fibromyalgia: when it was diagnosed, your symptoms, any treatment, and how it affects work and daily life
- A past fracture: which bone and when, any pins or plates, and whether recovery was full or symptoms remain
This list isn’t complete, and a condition’s name doesn’t settle anything by itself. Your history, your work and how things are now are what we’d want to understand, and the insurer makes the decision.
What we advise on
Back and Joint History Across the Four Covers
What Underwriters Look At
Before you apply, what will an insurer want to know about your back or joints?
Sorting your records against the likely questions first can help your application begin organised and complete.
We can map out what an insurer may ask about your back, neck or joints, starting from your own records.
An underwriter at the insurer reads your application and decides whether cover is offered and on what terms. With a back, neck or joint history, the questions can reach the area involved, how often symptoms return, any scans, treatment or surgery, any time off work and the job you do. Each insurer asks in its own way, so we start from your history.
What an insurer may ask about:
- The type of back or neck condition and the area involved: the neck, the upper or middle back, or the lower back
- When symptoms first started and last appeared, and how many separate episodes you’ve had since
- Any X-ray, MRI, CT, ultrasound, bone density scan or arthroscopy, with the dates and what each showed
- Any physiotherapy, chiropractic care, medication or injections for a back or joint, and when treatment last happened
- Back, neck or joint surgery already done, and any surgery, scan or referral you’re still waiting on
- Days off work, lighter duties or limits on daily activities because of your back, neck or a joint
- Your occupation, the daily duties of the job, and whether your work causes or worsens your symptoms
- Full recovery as one questionnaire defines the term: no ongoing symptoms or treatment, discharged from review, and back to normal work or daily activities
Life Insurance
If you were no longer around, how would the people you care about manage financially?
A lump sum paid to your beneficiaries through life insurance can help the people you care about meet debts and daily costs.
We’ll set out how a life application asks about your back, joints or bones, and what to gather before you apply.
Life insurance can pay a lump sum if you pass away, and an application’s health questions cover your history as a whole, so back or joint questions can appear whichever cover you apply for. The questions can turn to the condition itself, any tests and treatment, and any surgery planned. Gout and osteoporosis can bring their own questions about test results and medication. The insurer weighs your answers and decides.
What we prepare with you for a life application:
- The back, neck or joint questions a life application can include, even when life cover is the only cover you want
- Gout attacks and any blood tests or X-rays used to confirm the diagnosis, set out with their dates
- Osteoporosis and how the condition was found, with any bone density results, fractures and treatment since
- A hip or knee replacement, planned or recently done, with the surgeon’s letters and your recovery noted
- Fibromyalgia, including the date of diagnosis, any treatment and the effect on your daily life
- Any pain medication for a back or joint condition, with its name, the dose and how long you’ve taken it
- Osteoarthritis in one joint or several, described joint by joint from your GP’s or specialist’s records
- Spinal fusion or other back surgery from years ago, with what was done and how things have been since
TPD Insurance
What would keep daily life going if you were unable to work again?
TPD cover can pay a lump sum to support you if you can’t work again, as the policy defines it.
We can read each TPD definition against the duties your job involves, including any lifting, kneeling or standing.
TPD insurance pays a lump sum when illness or injury leaves you unlikely to work again, under the policy’s own definition. Own occupation is measured against your usual job, any occupation against work suited to your education, training or experience, and some policies use activities of daily living (Moneysmart). A recurring back or joint history, and any surgery, can be read against the definition and the work you do.
What we weigh up with you on TPD:
- Work that relies on lifting, kneeling, overhead reaching or long hours standing, set against an own-occupation definition
- Retraining or a move to seated work after a back injury, set against an any-occupation definition
- An activities of daily living definition, and how it reads alongside a hip, knee or spinal condition
- Repeated time off for back flare-ups or joint surgery, set out by date for the TPD questions
- Pain that limits sitting, driving or standing for long, and how each TPD definition reads that limit
- Any disability benefits in super, which can sometimes include monthly payments while you can’t work or a lump sum
- Lasting limits after spinal fusion or a joint replacement, described in your surgeon’s reports for the TPD questions
- A back or joint exclusion on a TPD offer, and which other causes of disablement the policy still covers
Income Protection
How might each bill be met if illness or injury kept you off work?
Part of your income can come from income protection after a waiting period, so the bills can still be paid.
We’ll go through any income protection offer with you, starting with how far a spine or joint exclusion reaches.
Income protection can pay part of your income while illness or injury keeps you from working, subject to its waiting period, definitions and exclusions. With a back or joint history, an insurer can offer alternative terms, such as an exclusion for the condition or a higher premium. An exclusion’s wording sets its reach, such as one area of the spine, the whole spine or a named joint.
What we work through with you on income protection:
- An exclusion limited to one area of the spine, such as the neck or lower back, against one covering the whole spine
- A knee or shoulder exclusion, and whether its wording reaches the other knee, the hips or the back
- Your occupation and daily duties as an income protection application records them, whether your work is physical or not
- Rehabilitation after a back or joint operation, and any rehabilitation benefit in a policy you hold or are offered
- Light duties or reduced hours after back surgery, and how the policy treats a partial return to work
- Any specified injury or fracture benefit in your policy, read with you in its own wording
- Workers compensation after an injury at work, which is separate, through a state, territory or Commonwealth scheme
- Self-employed or contracting work with a back history, and how a claim is measured against business income
Trauma Insurance
Alongside treatment, how would you want the other costs of a serious illness covered?
Trauma cover can pay a lump sum towards extra costs, for a listed condition that meets the policy’s definition and isn’t excluded.
Together, we’ll read the musculoskeletal events a trauma policy lists, and any back or joint exclusion in its wording.
Trauma insurance pays a lump sum when a listed condition is diagnosed and meets the policy’s definition. In the policies we’ve read, the musculoskeletal events can include loss of use of limbs and paralysis, and one lists severe osteoporosis of a specified severity in a benefit for women at a higher level of cover. A condition you already have may be excluded, which limits cover for that condition and related claims according to the exclusion’s wording.
What we read with you in a trauma policy:
- Loss of use of limbs, an event in the trauma policies we’ve read, and the permanence its definition requires
- Paralysis, listed separately in the trauma policies we’ve read, with a definition requiring the loss to be permanent
- Severe osteoporosis of a specified severity, which one current policy lists among its events for women
- Loss of use of a single limb, which one current policy lists as an advancement event paying part of the sum insured
- A disc condition, osteoarthritis or gout, none of which is listed as an event in the policies we’ve read
- A fracture caused by osteoporosis, and the wording of any severe osteoporosis definition in your policy, read with you
- An existing disc, knee or shoulder problem, which a new trauma policy may exclude under its wording
- The policy’s PDS, read with you for the full list of events and definitions before you accept or claim
Answering the Health Questions
When an application asks about your back or joints, how much should you share?
Keeping your records beside each question can help you answer it as it’s asked, with reasonable care.
We can set each health question beside your physio, scan and surgery records before anything is signed.
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). With a back or joint history, the dates of episodes, scans, treatment and time off are worth confirming from your records, and the duty continues until your cover starts.
What we prepare together before an application is signed:
- Dates of back or neck episodes, confirmed from your GP, physio or chiropractor records rather than memory
- Maintenance visits to a physio or chiropractor, answered as the question asks, even when you feel well
- A referral to an orthopaedic surgeon or a spine scan you’re still waiting on, answered too
- A surgery date booked after you apply, raised with the insurer because the duty continues until cover starts
- Days off work for your back over the years, counted from leave records or payslips where a form asks
- A minor sprain or strain from years ago, answered as asked even if it settled quickly
- Any pain relief, anti-inflammatory or gout medication, listed with the names and start dates
- Questions grouping joints, muscles and bones together, read with you so each part of your history goes in the right place
Applying With Help
What does an application for cover involve, from start to finish?
Every step, from the first form to the reports, can be laid out with you so you can see what’s next.
We’ll prepare your application with you, using a back, joint or gout questionnaire where an insurer offers one.
Some insurers offer condition questionnaires for back and neck pain, joint or other musculoskeletal conditions, and arthritis and gout, which may let an underwriter decide without a medical report. Some also offer pre-assessment, which gives an indication before a formal application. Before you accept any exclusion, it’s worth asking what a later review would need and keeping the answer in writing, because a promise to review isn’t a promise to remove.
How we prepare the application with you:
- A back and neck pain questionnaire, offered by some insurers, filled in with you from your records
- A joint or musculoskeletal questionnaire, where an insurer has one, for a knee, shoulder, hip or fracture history
- An arthritis and gout questionnaire, where offered, setting out which joints are affected and how often attacks happen
- Physio discharge notes or a surgeon’s follow-up letter, gathered to show how your back or joint is now
- Alternative terms on a back or joint application, which an insurer can discuss with your financial adviser before you accept
- What a later review of a spine or joint exclusion would need, asked of the insurer and kept in writing
- Applying before or after a booked surgery or a recent flare-up, weighed with you and the reasons explained
- Questions about your job’s effect on your symptoms, prepared with you from what your work involves day to day
Cover You May Already Hold
Is there cover through your super or elsewhere that you’d want to check first?
Comparing any cover in your super or own name with what you need now can show which terms to keep.
We can check any cover you hold for a back or joint exclusion, and what a review of it would need.
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. Cover you already hold was issued on its own terms, and the policy wording sets when they can change, so it’s worth reading before you change or replace it. A new underwritten policy can carry a back exclusion the cover you hold doesn’t.
What we look at with you:
- The part of the body any back or joint exclusion on your policy reaches, read in its own wording
- Any review date or condition the insurer set with a back exclusion, noted with you ahead of that date
- Any default cover in super, read for whether a disc, knee or shoulder history from before you joined is treated differently
- A new offer with a spine exclusion, compared with any cover you hold before anything is cancelled
- Any disability benefits your fund provides, whether as monthly payments or a lump sum, before a change of job
- Workers compensation for a back injury at work, which sits apart from any personal cover you hold
- An income protection policy from before a back injury, which may carry no back exclusion at all
- A knee or shoulder exclusion from an application made after a sports injury, and what the policy still covers
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 Back and Joint Cover, Worked Through Together
Your Daily Duties Described Accurately
What your work involves each day, physical or not, set out as it really is on any application.
A Spine or Joint Exclusion Read First
Which part of the spine or which joint any exclusion names, read with you before you accept an offer.
Review Requirements Asked For in Writing
What the insurer would need to review a back or joint exclusion, asked for and kept on file.
A Review Date in Your Diary
Any date the insurer gives for reviewing an exclusion, noted with you for when it comes around.
A New Offer Set Beside Any Super Cover
Any new offer compared with any super cover, and what each says about your back, before anything is cancelled.
Workers Compensation and Personal Cover Explained
How any personal cover sits apart from workers compensation, explained if your back or a joint is injured at work.
An Application Planned Around Surgery
Applying before or after a booked operation on your back or a joint, weighed with you and the reasons explained.
Back and Joint Claims Lodged With You
An income protection, TPD or trauma claim lodged with you, with reports from your doctor, physio or surgeon.
Proactive, Holistic, and Experienced Financial Planning
A sore back or a knee that won’t settle can raise fair questions about your work and your income. We talk them through in plain terms, starting with what you do each day and what you’d like protected. You don’t need the medical terms or every date ready before we begin. We explain each step as it comes, at a pace that suits you, and every choice about your cover is yours.
Physio notes, scan reports and surgeon letters can build up over the years. With your consent, we can request what an application needs, keep track of it and tell you what each request is for. You’ll know where things stand at each step, and you can ask about anything along the way, however small it seems. Our role is to help you plan protection around the work you do and the life you’re building.
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 back or joint condition, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
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.
That depends on your own situation, so we’d want to learn about it before anything is said about cover. An application can be offered on standard terms, with a premium loading, with an exclusion for a named condition, deferred for a period, or declined. The insurer decides.
With a back, neck or joint history, the questions can cover the area involved, how often symptoms return, any scans, treatment or surgery, and the work you do. We go through those with you first, then explain what applying for life, TPD, trauma or income protection cover would involve.
We’d want to understand your history and your work first. An insurer may ask about the condition, any time off, your occupation and the duties you perform each day, and whether your job affects your symptoms. A knee or shoulder history can be asked about in the same way.
Income protection can pay part of your income while illness or injury keeps you from working, subject to its waiting period, definitions and exclusions. An insurer can also offer alternative terms, such as an exclusion for the condition or a higher premium. We’ll explain each one against your work and income before you decide.
A back exclusion means the policy won’t pay a claim arising from the condition or the part of the spine its wording names. The wording sets the reach: it can be limited to one area, such as the neck or the lower back, or cover the whole spine. A knee or shoulder exclusion can be worded narrowly or more widely in the same way.
Claims for unrelated illnesses or injuries can still be paid under the policy’s terms, and the insurer assesses each claim. Before you accept an offer, we’ll read the exclusion with you, explain what it reaches and ask the insurer about anything unclear.
You can ask the insurer to review it, and the insurer decides whether to change, narrow or keep the exclusion. A promise to review an exclusion isn’t a promise to remove it.
Before you accept an offer, it’s worth asking what a later review would need, such as time without symptoms or treatment and a report from your doctor or physio, and keeping the answer in writing. We’ll note any review date with you, gather the reports and prepare the request when you’re ready.
Where a question asks about joints, arthritis or gout, your answer includes it. 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.
For gout, a form can ask which joints are affected, how often attacks happen, any tests and any medication. For osteoarthritis, it can ask which joints, how severe it is, any time off work and any surgery planned. We’ll go through each question with you and gather the details from your records.
That’s worth talking through before anything is lodged. Applications can ask about surgery, scans or referrals you’re waiting on, and the duty to take reasonable care continues until your cover starts, so a booking or a change before then is raised with the insurer too.
An insurer may also defer an application until after surgery and recovery. We’ll weigh applying now or later with you, explain the reasons and prepare the application when the timing suits.
It depends on the policy and its definitions. Trauma insurance pays a lump sum when a listed condition is diagnosed and meets the policy’s definition. In the policies we’ve read, the musculoskeletal events can include loss of use of limbs and paralysis, and one lists severe osteoporosis of a specified severity in a benefit for women at a higher level of cover. A disc condition, osteoarthritis and gout aren’t listed as events in them, and the policy’s PDS sets out the full list.
On a new policy, a condition you already have may be excluded, limiting cover for it and related claims according to the exclusion’s wording. We’ll read the events and definitions with you before you accept or claim.
Either route can work, and the questions asked need answering with reasonable care whichever you choose. If an insurer doesn’t ask for your medical history, it may mean that the policy has more exclusions or narrower policy definitions (Moneysmart).
With advice, we set out any physio, scan or surgery dates and the duties of your job with you, and read any spine or joint exclusion offered before you accept. We can also set a new offer beside any cover you already hold.
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. You don’t need to know insurance terms, or the names of any scans or treatments, to start.
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. We’ll start with what your work involves each day and what you’d like protected, then explain how a back or joint history fits into an application.
Nothing is sent to an insurer at that stage, and every choice stays with you.
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Executives, senior managers, directors, board members and more.
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Police, firefighters, paramedics, ADF personnel, teachers and more.
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Pre-retirees, transition to retirement, Age Pension, aged care, estate planning and more.
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Any income, any stage, career changers, separation, second opinions and more.
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Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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