Life Insurance With a Digestive Condition
Income Protection for You and Your Loved Ones With a Digestive Condition
Crohn’s, colitis, IBS, coeliac disease or reflux can shape what an insurer asks about life, TPD, trauma and income protection cover. We can help you work through those questions, prepare an application with care and review any existing cover.
Our Financial Advice Team Is Here to Help You
We Can Help You
- Prepare answers on flares, time off work and medication for an income protection application
- Gather gastroenterologist letters, scope results and blood tests for a cover application
- Answer a stomach and bowel, or indigestion and reflux, questionnaire together for life cover, if an insurer has one
- Explain any alternative income protection terms offered for a bowel or digestive condition before you accept
- Work through a bowel or digestive exclusion line by line, and what the policy still pays for
- Check a policy taken out before your diagnosis, including any trauma events it lists
- Confirm any default cover in super, and the pre-existing condition rules in the fund’s PDS
- Look at any super or employer insurance before you resign, sign papers or claim
- Ask the insurer to review any health exclusion on your policy when the time suits
- Prepare an income protection claim with you after a flare or surgery, and follow it to a decision
Who We Help
- People with Crohn’s or colitis who are applying for income protection
- Anyone on a biologic and starting a new job with questions about cover
- Those returning to work after bowel surgery and reviewing their protection
- People living with coeliac disease or IBS, preparing for the health questions on a form
- Adults awaiting a colonoscopy after a positive bowel screening test
- Anyone living with a stoma who wants to know how an application asks about it
- Anyone managing reflux or with a past ulcer or gallbladder removal, wondering how it’s asked about
- Adults with diverticular disease or polyps found on a scope, with questions before applying
- Policyholders with a bowel exclusion who want to know what it still leaves covered
Digestive conditions
Beginning With Your Own History
What We’d Want to Know First
- Crohn’s disease: the parts of the bowel affected, any flares or time off work, your medication and any surgery
- Ulcerative colitis: how much of the bowel is affected, any flares, your treatment, and any surgery and when it was
- Irritable bowel syndrome (IBS): your symptoms, the tests done to look into them, any treatment, and any time away from work
- Coeliac disease: when it was diagnosed, how it’s managed, and any ongoing symptoms or complications
- Reflux, GORD or a hiatus hernia: how often symptoms occur, any medication, and any gastroscopy and what it found
- Barrett’s oesophagus: when it was found, what any biopsies showed, and any follow-up gastroscopies since
- Eosinophilic oesophagitis: when it was diagnosed, any treatment or diet changes, and any gastroscopies since
- Stomach or duodenal ulcer: when it happened, the cause if one was found, the treatment, and whether it has healed
- Diverticular disease: any episodes of diverticulitis, how they were treated, and any complications or surgery
- Bowel polyps: how many were removed, what the pathology showed, and any follow-up colonoscopies
- Gallstones or gallbladder removal: whether the gallbladder was removed, when, and any symptoms or complications since
- A past episode of pancreatitis: when it happened, how many episodes, the cause if one was found, and how things are now
This list isn’t complete, and the name of a condition decides nothing on its own. We’d need to understand your situation before anything can be said about cover, and the decision is the insurer’s.
What we advise on
Bowel and Stomach Questions, Cover by Cover
What Underwriters Look At
What might an insurer ask about your digestive health when you apply for cover?
Going through your records together, before you apply, can show what an insurer may want to know and make the forms clearer.
We can show you what an insurer may ask about your digestive condition before you apply.
Each application goes to an underwriter at the insurer, who decides whether cover is offered and on what terms. For a bowel, stomach or oesophagus condition, the questions can reach the extent of the condition, any flares and the last one’s date, any treatment or surgery, scope and test results, and any time away from work. Each insurer takes its own approach, so your own history is where we begin.
What an insurer may ask about, by condition:
- Crohn’s disease: the parts of the bowel involved, any complications, the number of flares and the last one’s date
- Ulcerative colitis: how much of the bowel is affected, and whether treatment has been medical, surgical or both
- Irritable bowel syndrome: your symptoms, any tests your doctor has arranged and whether investigations are complete
- Coeliac disease: how well the condition is controlled on diet, and any ongoing symptoms or complications
- Reflux, Barrett’s oesophagus or eosinophilic oesophagitis: any gastroscopy and biopsy findings, and any treatment
- Diverticular disease, gallstones or pancreatitis: any episodes, hospital stays and surgery, with the dates of each
- Medication for a bowel or stomach condition, including any immunosuppressant or biologic, with start dates
- Scope, biopsy and blood test results, and any time off work during a flare or after surgery
Life Insurance
Who would you want to have money for daily life, if you were no longer here?
Paid to your beneficiaries, a life insurance lump sum can help settle debts and keep up with day-to-day costs.
We’ll set out the bowel and stomach questions on a life application, and the records that answer them.
Life insurance can pay a lump sum if you pass away, and its application asks about your health as a whole. For Crohn’s disease the questions can turn to severity and complications, for colitis to extent and any surgery, and for reflux or Barrett’s oesophagus to any gastroscopies and what they found. The insurer then makes the decision.
What we prepare with you for a life application:
- Any complications of Crohn’s disease, described from your gastroenterologist’s letters and reports
- The extent of ulcerative colitis, and the date of any bowel surgery, set out from your records
- A positive bowel screening test and any colonoscopy since, with the dates and what each one found
- Diverticulitis episodes and any bowel surgery, with hospital dates taken from any discharge letters
- Eosinophilic oesophagitis or Barrett’s oesophagus, with the dates of follow-up gastroscopies and any biopsy results
- A past ulcer, gallbladder removal or pancreatitis episode, with the dates and recovery noted
- Default cover in super from before a bowel or digestive diagnosis, and the terms set out in the fund’s PDS
- Polyps found on a scope, with the pathology and the dates of any follow-up colonoscopies
TPD Insurance
What matters most to keep paying for if you were never able to work again?
Living costs can still be met with a TPD lump sum if you can never work again, as the policy defines it.
We’ll explain how TPD definitions read against your work, and any time lost to flares or surgery.
TPD insurance pays a lump sum when illness or injury leaves you unlikely to work again, under the policy’s own definition. An own-occupation definition is measured against your usual job, and any-occupation against work suited to your education, training or experience. For a bowel or stomach condition, any ongoing symptoms, any surgery or a stoma are part of what we’d want to understand first.
What we weigh up with you on TPD:
- Jobs with long shifts, travel or limited bathroom access, and how an own-occupation definition treats that work
- A stoma after bowel surgery, and what an insurer may ask about the effect on your work
- Any repeated time off for infusions, scopes or surgery, set out with dates for a TPD application
- Ongoing symptoms after colitis or Crohn’s surgery, described by your specialist for permanent incapacity questions
- Hospital stays for a flare or for diverticulitis, set out with dates and any time off that followed
- Disability benefits through an employment super fund, which in some funds include a disability pension
- A TPD sum insured sized for medication, specialist and treatment costs, alongside any debts you hold
- A change to lighter or part-time duties after a flare, and what a TPD definition says about it
Income Protection
How could your budget keep up if illness or injury took you away from work?
Income protection can pay part of your income after a waiting period, so your budget can keep covering the essentials.
We can weigh each income protection term on offer against time you might need off for treatment or surgery.
Income protection can pay part of your income while illness or injury keeps you from working, subject to its waiting period, definitions and exclusions. If an application isn’t accepted on standard terms, the insurer may offer alternative terms, such as an exclusion for the condition or a higher premium. The insurer decides. The waiting period is one you choose, and Moneysmart describes it as “the amount of time you must wait before your payments start”.
What we work through with you on income protection:
- How far a bowel exclusion’s wording reaches, from flares and surgery to any complications it names
- Time off for flares, infusions or scopes in short bursts, which may be over before your chosen waiting period ends
- Benefit period options, such as two or five years or up to a set age, for a condition that can flare again
- A higher premium proposed with a digestive history, weighed against your budget before you decide to accept
- An exclusion review requested later, if your circumstances change, with up-to-date reports from any specialist who treats you
- Employer income protection, where under some policies leaving work may affect your right to claim later
- Any flare history set out by date, so the underwriter sees your time away from work accurately
- Starting or changing a biologic or immunosuppressant, with the dates an income protection application asks for
Trauma Insurance
If a serious illness brought extra costs, how could you keep your savings for other plans?
For a listed condition that meets the policy’s definition and isn’t excluded, a trauma lump sum can help your savings last.
Together, we’ll read any bowel events a trauma policy lists, and the treatment each definition requires.
Trauma insurance pays a lump sum when a listed condition is diagnosed and meets the policy’s definition. Some policies list severe Crohn’s disease or ulcerative colitis, defined by failed standard therapy, and some pay part of the sum insured. A condition you already have may be excluded, limiting cover for it and related claims according to the exclusion’s wording. 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:
- Severe Crohn’s disease, which some policies define by failure of standard therapy, including steroids, immunosuppressive medication and biologics
- Severe ulcerative colitis, defined in some policies the same way, with the diagnosis confirmed by an appropriate specialist
- A permanent colostomy or ileostomy, which some trauma policies have listed as an event in its own right
- A biologic keeping the condition controlled, and how a definition based on failed therapy reads against it
- Partial payments for severe Crohn’s or colitis, where a policy pays part of the sum insured
- Crohn’s, colitis or another bowel condition you already have, and the reach of any exclusion written for it
- Bowel symptoms ahead of any diagnosis, and how pre-existing condition wording in a PDS reads against them
- The policy’s PDS, the only way to be certain which bowel events a trauma policy includes
Answering the Health Questions
Is it hard to tell what each health question is asking about your digestive history?
Read with your records open, each question can become clear enough to answer with reasonable care.
We’ll go through each health question with you, using the dates from any scopes, tests and treatment.
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 bowel or stomach history, the dates of any scopes, surgery and treatment are worth confirming from your records first.
What we prepare together before an application is signed:
- Dates of any flares, scopes and bowel surgery, confirmed against specialist letters and reports
- A colonoscopy to come after a positive bowel screening test, included wherever a question covers pending tests
- Reflux medication taken long term, listed by name and dose where a question asks about medication
- Smaller or resolved things, such as haemorrhoids or a past ulcer, answered as the question asks
- Tests still under way, such as a gastroscopy or a biopsy, and how a form asks about them
- Coeliac disease managed on a gluten-free diet, answered wherever a form asks about digestive conditions
- Bowel cancer among blood relatives, if you know of any, and the age each was diagnosed, if a question asks
- Health question wording about bowel symptoms or past investigations, talked through with us if anything seems unclear
Applying With Help
How do you put together an application that gives an insurer what it needs?
Building the application together, from any questionnaire to your records, can help the insurer get everything it needs.
We can prepare your application with you, including any questionnaire or pre-assessment that comes first.
Some insurers offer condition questionnaires for stomach and bowel conditions, and for indigestion and reflux, which may let an underwriter decide without a medical report. Some also offer pre-assessment, which gives an indication before a formal application goes in. Where alternative terms come back, an insurer can talk them through with your financial adviser before you accept.
How we prepare the application with you:
- Stomach and bowel questionnaires, offered by some insurers, filled in from your specialist letters with you
- A colonoscopy or biopsy result still to come, where an insurer may defer a decision until the result is known
- An indigestion and reflux questionnaire, where offered, which may avoid the need for an extra medical report
- Any infusion or biologic dates, noted so any medical exam an insurer requests fits around your treatment
- Letters from your gastroenterologist or GP, which the insurer may request with your signed consent
- Whether to apply straight away or after recovery from bowel surgery, talked through before anything goes in
- An exclusion or higher premium on a bowel or stomach offer, gone through line by line
- A previous offer with a bowel exclusion, and answering accurately when a new application asks about it
Cover You May Already Hold
Does any cover held in your super still suit you as things change?
Weighing any cover in your super against your life now can show what still suits you, before any change is made.
We can check any cover you hold now, in your name or your super, before you change jobs or policies.
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. For a bowel or stomach condition, that reading includes any trauma events and exclusions the policy carries.
What we look at with you:
- A policy taken out before your bowel or digestive diagnosis, and the terms it was issued on
- Severe Crohn’s or colitis events in an older trauma policy, where the policy lists them
- The date your bowel or digestive condition was first diagnosed, set against any pre-existing condition rules in a fund’s cover
- A resignation, settlement papers or a claim, talked through with us, and a solicitor where needed, before anything is signed
- Monthly disability payments in some funds, which can be affected when employment ends
- Any review of a bowel exclusion, put to the insurer once a change in your condition or treatment gives a reason
- Any bowel symptoms from before a diagnosis, read against the pre-existing condition wording in a policy you hold
- A pre-diagnosis income protection policy, and how its terms compare with any new offer
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 Bowel and Stomach Cover, Worked Through Together
A Medical History Set Out by Date
Any flares, scopes, treatment and surgery set out by date from your own records.
Income Protection Terms Compared
Any income protection terms offered, compared side by side before you decide to accept.
An Exclusion’s Reach Explained
The exact wording of a bowel or digestive exclusion explained, including what the policy still pays for.
An Exclusion Review Asked For
A request for the insurer to review any health exclusion on your policy, made when the time suits.
Bowel Events in Trauma Cover Explained
Any severe Crohn’s, colitis or stoma events in a current policy read through with you.
Fund Insurance Reviewed Before a Job Change
Any disability cover in your fund, and what leaving work could change, looked at first.
An Application Planned Around a Scope Result
Any colonoscopy, gastroscopy or biopsy result still to come, and when an application goes in, talked through first.
Claim Paperwork Prepared After a Flare or Surgery
An income protection, TPD or trauma claim prepared with you and followed through to the insurer’s decision.
Proactive, Holistic, and Experienced Financial Planning
Talking about your bowel or stomach with someone new isn’t always easy, so you can start with whatever you’re comfortable sharing. We take things at your pace and keep the conversation plain and practical. Questions are welcome at any point, however small or awkward they seem. Once we understand your situation, we look at protection that fits the life you’re building, and you’ll know what each step involves before anything happens.
You might arrive with a folder of letters and results, or with none at all. Either way works: we can request what an application needs, with your consent, and keep track of it for you. Specialist letters and insurer follow-ups can add up, so we handle that side with you and explain what each request is for. Every choice about your cover stays with you, from the first question to the last.
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 digestive 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 bowel, stomach or oesophagus condition, the questions can cover how extensive it is, any flares, any treatment or surgery, and any recent test results. Going through those with you comes first, and then we explain what applying for life, TPD, trauma or income protection cover would involve.
We’d need to understand your circumstances first. An insurer may ask which parts of the bowel are affected, any flares and when the last one was, any medication, any surgery and any time off work.
Income protection can pay part of your income while illness or injury keeps you from working, subject to its waiting period, definitions and exclusions. If an application isn’t accepted on standard terms, the insurer may offer alternative terms, such as an exclusion for the condition or a higher premium. The insurer decides. An exclusion’s wording sets what still pays.
The waiting period and benefit period are yours to choose, and we’ll set each option beside your work, your income and any time off flares have taken, before you decide.
For IBS, the questions can cover your symptoms, whether they’ve been fully investigated, any treatment and any time away from work. For coeliac disease, they can cover when it was diagnosed, how well it’s managed on diet, and any ongoing symptoms or complications.
Each insurer words these questions in its own way. We’ll go through them with you, with your GP’s or specialist’s records to hand, and explain what applying would involve before anything goes to an insurer.
We’d want to understand your situation first. An insurer may ask about the surgery that led to the stoma and when it was, the condition behind it, how things are for you now and any effect on your work. Each insurer words these questions in its own way.
For income protection and TPD, the work you do day to day is part of the picture. Some trauma policies have listed a permanent colostomy or ileostomy as an event in its own right, so if you hold trauma cover, we’ll read its definitions with you. For a new application, we’ll set out your history from your records and explain any terms offered before you accept.
That’s a question about your application, which we’d talk through with your situation in view. The colonoscopy itself is a matter for you and your doctor. Where a form asks about tests still under way, such as a colonoscopy after a positive bowel screening test, or a gastroscopy or biopsy, your answer includes them.
An application can also be deferred until a result is known, which is one of the outcomes an insurer can decide on. We’ll go through how each form asks about tests to come, gather results with your consent once they’re available, and explain what applying now or later would involve before anything goes in.
They can. Health questions can reach reflux and its treatment, a past stomach or duodenal ulcer, and gallstones or gallbladder removal, and some insurers offer an indigestion and reflux questionnaire. An insurer may ask how often symptoms occur, any medication, any gastroscopy and what it found, when an ulcer happened and whether it has healed, or when a gallbladder was removed and how things have been since.
Answering each question asked with reasonable care is part of applying, however minor something seems. We’ll go through the wording with you, with your records to hand, and explain what applying would involve.
It depends on the policy. Some trauma policies list severe Crohn’s disease or severe ulcerative colitis, defined by the condition failing to be controlled by standard therapy, including steroids, immunosuppressive medication and biologic therapies, and some pay part of the sum insured for them. The only way to be certain is to check the policy’s PDS, its product disclosure statement.
On a new trauma policy, a condition you already have may be excluded, limiting cover for it and related claims according to the exclusion’s wording. If you hold a policy that lists these events, we’ll read the definitions with you and prepare any claim together. The insurer assesses the claim.
If you’re offered alternative terms, the insurer explains what they are, how long they’re meant to apply, and that you can ask for a review if your circumstances change (Life Code 2025, insurers that subscribe). A change in your condition or treatment is the kind of thing worth raising.
The insurer decides whether the exclusion changes. Until then, its wording sets which claims it affects, and cover for an unrelated illness or injury can still apply under the policy’s terms. We’ll read the wording with you, help gather up-to-date reports from any specialist who treats you, and prepare the request when you’re ready.
Online policies suit some people, and buying one can be quick. A policy that doesn’t ask for your medical history may have more exclusions or narrower definitions (Moneysmart), which matters with a bowel or stomach history.
Through advice, your specialist reports, treatment and results can be set out in full, so the insurer sees the whole picture before cover starts. Whichever route you take, reasonable care not to misrepresent anything is required. We prepare that history with you and talk through any terms offered.
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. No prior knowledge of insurance is needed, and you choose how much health detail to bring to the first talk.
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. In that first conversation we’ll ask what you’d like protected, look at any policies in your name or your super, and outline the steps for a bowel or stomach history.
Nothing is sent to an insurer at that stage.
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