Life Insurance With a Heart Condition
Life Cover for You and Your Family With a Heart Condition
High blood pressure, atrial fibrillation or a past heart attack shapes what an insurer asks about life, TPD, trauma and income protection. We help you gather your records, prepare an application with care and check any cover you hold.
Our Financial Advice Team Is Here to Help You
We Can Help You
- Gather readings, cholesterol results and any cardiologist letters for a cover application
- Set out a heart attack, stent or surgery and the tests since clearly in an insurance application
- Find out if pre-assessment is offered on trauma or income protection before you formally apply
- Explain alternative terms, such as trauma cover with heart-related events left out
- Read what a heart-related exclusion leaves covered on a trauma or income protection policy
- Check the heart attack definition in a trauma policy you already hold
- See how a fund’s default insurance treats a heart condition you had before that cover began
- Talk through cover attached to a job before you change roles after a heart diagnosis
- Consider a partner’s own cover in the same conversation as your application
- Put a heart attack or bypass surgery trauma claim to the insurer with you, reports attached
Who We Help
- People taking blood pressure medication or cholesterol treatment, and getting ready to apply for cover
- Anyone told about AF or a murmur after a check-up, a smartwatch alert or an ECG
- Anyone with a stent or a past heart attack, wanting to know where to start with cover
- People recovered from heart surgery such as a valve repair or a bypass
- Adults born with heart conditions that were repaired in childhood
- Relatives of someone with cardiomyopathy or another heart condition that runs in the family
- A partner supporting someone after a heart event, and thinking about cover of their own
- People about to change jobs after a heart diagnosis, unsure whether any cover in super follows
- Anyone offered a heart exclusion or a loading before, and wanting it explained
Heart conditions
Learning About Your Heart Condition First
What We’d Want to Know
- High blood pressure: your recent readings, any medication and when it started, and other factors such as smoking
- High cholesterol: your latest results, any medication, and your blood pressure, weight and smoking status
- Heart murmur: what any echocardiogram found, whether a cause was named, and any follow-up suggested
- Atrial fibrillation: whether episodes come and go or are ongoing, any treatment or procedure, and any blood thinners
- Supraventricular tachycardia (SVT), Wolff-Parkinson-White syndrome and other rhythm conditions: the diagnosis, how often episodes happen, any ablation or medication, and when the last one was
- Heart valve conditions, such as mitral valve prolapse or a bicuspid aortic valve: which valve, what your latest echo showed, any repair or surgery, and how often it’s checked
- Angina: when it started, what tests showed, any treatment such as medication or a stent, and whether it still happens
- A past heart attack: when it happened, the treatment, how your heart is working now, and any risk factors and how they’re managed
- Coronary artery disease, a stent or bypass surgery: what was done and when, results of later tests such as a stress test, and any risk factors and how they’re managed
- Cardiomyopathy: the type, how well your heart pumps on recent scans, any symptoms, and treatment or devices
- Pericarditis or myocarditis, now recovered: what caused it, when it settled, any recurrence, and what any follow-up tests showed
- A pacemaker: why it was fitted and when, the condition behind it, and how it’s checked
- Rheumatic heart disease: which valves are affected, any surgery, any ongoing preventive treatment, and how often you’re reviewed
- A congenital heart condition, such as a repaired hole in the heart: the condition, any repair and when, and what recent check-ups show
- Aortic aneurysm: where it is, its size on your latest scan, how often it’s monitored, and any surgery
- Marfan syndrome: how it affects your heart and aorta, how often you’re monitored, and any surgery
This list isn’t complete, and the name of a heart condition decides nothing on its own. We need to learn about your situation first, and any decision on cover is the insurer’s.
What we advise on
How Each Cover Looks at a Heart Condition
What Underwriters Look At
What can help you prepare for the questions about your heart health when you apply?
The questions can reach into tests, treatment and medication, and having those records ready can help you answer each one.
We’ll start with the details an insurer may ask about your heart condition, using your own records.
Each insurer’s underwriter makes the decision on an application, including any terms. For a heart condition, the questions can cover the exact diagnosis, the time since diagnosis or any event, treatment, other conditions you live with, family history and smoking. Your own readings, results and specialist letters are the evidence that can answer them.
What an insurer may ask about, record by record:
- Blood pressure: your recent readings, any medication, the start date of treatment and how often you’re checked
- Cholesterol: your latest lipid results, any medication, and factors such as weight and smoking status
- A heart attack, stent or bypass: what happened, the dates, the treatment and any tests since
- Heart rhythm conditions such as AF or SVT: how often episodes occur, and any ablation or medication
- Heart murmurs and valve conditions: what an echocardiogram showed and how often you’re reviewed
- An ECG, an exercise ECG or a stress echocardiogram, which an insurer may ask you to have
- Letters from a cardiologist or GP describing your diagnosis, treatment and the most recent review
- Family history of heart disease, with age, smoking status and weight, considered alongside your own history
Life Insurance
If you were no longer here, how would your loved ones cover the bills?
Life insurance can pay your beneficiaries a lump sum to help them keep up with the costs of daily life.
We can show you how a life application looks at your heart condition alongside your wider health.
Life insurance can pay a lump sum if you pass away. With a heart condition, a life application can look at blood pressure, cholesterol, smoking, weight and family history together rather than one at a time. After a heart event, it can also ask what happened, the treatment, any ongoing symptoms and how you manage day to day.
What we work through for life cover:
- Readings and results for blood pressure and cholesterol, considered together with your heart history on a life application
- Weight and a family history of heart disease, both part of how life underwriting views a heart condition
- The extent of any heart muscle damage after a heart attack, set out from specialist reports
- Ongoing symptoms such as breathlessness or chest pain, and the effect on everyday activity
- Time since a stent, bypass or valve surgery, and the results of any follow-up tests
- Medication for blood pressure, cholesterol or heart rhythm, listed with doses and start dates
- Any life cover held from before a heart event, kept in place while a new application is considered
- Congenital heart conditions repaired in childhood, described with the surgery date and recent check-up results
TPD Insurance
Is there a plan in place for your income if you were ever unable to work again?
TPD cover can be part of that plan, paying a lump sum if you can’t work again, as the policy defines it.
We’ll weigh up TPD definitions against your work, and how a gradual return after a heart event is read.
TPD insurance pays a lump sum if illness or injury means you’re unlikely to work again, as the policy defines it. Own occupation looks at your usual job, while any occupation looks at work suited to your education, training or experience. For physical, shift-based or licence-dependent work after a heart event, the definition you hold can matter.
What we compare with you for TPD:
- Physically demanding work, and how a heart condition is considered against an own-occupation definition
- Licence-dependent roles, where a heart event can affect the licence and so the work itself
- Cardiac rehabilitation and a phased return to your job, described accurately in a TPD application
- Hours reduced after a heart attack or surgery, and how a TPD definition treats reduced capacity
- Any-occupation TPD in super, which looks at work suited to your education, training or experience
- Own-occupation TPD held outside super, considered where your usual work relies on physical fitness
- An existing TPD policy from before your heart diagnosis, and whether its definition suits your role now
- Ongoing costs such as specialist reviews and medication, considered when setting a TPD sum insured
Income Protection
How could part of your income keep coming in if illness or injury took you away from work?
Bills can be paid with less drawn from savings, as income protection can pay part of your income after a waiting period.
We can walk you through any income protection terms offered, including how a staged return to work is treated.
Income protection can replace part of your income if illness or injury stops you working, subject to its waiting period, definitions and exclusions. With a heart condition, an insurer may offer alternative terms, such as an exclusion for the condition or a higher premium. If an exclusion applies, its wording decides whether time off for a heart event is covered.
What we go through with you on income protection:
- Time off for an unrelated illness or injury, and whether a heart exclusion’s wording still leaves that time off covered
- Your chosen wait before a claim pays, its cost, and any sick leave or savings for that time
- Recovery time after heart surgery, and how long the policy could keep paying if recovery runs long
- Partial benefits during a staged return to work after cardiac rehabilitation, where the policy provides them
- Any premium loading linked to your heart history, and what it would add to the cost of cover
- Business owners and contractors after a heart event, and the income records a claim may need
- Time off for a planned procedure, such as an ablation or valve surgery, and how a waiting period applies
- Income protection already held from before a heart diagnosis, reviewed before any change to its terms
Trauma Insurance
What could help with the extra costs that can come with a serious illness?
A trauma payment can meet those extras, for a listed condition that meets the policy’s definition and isn’t excluded.
Together, we’ll read each heart-related definition in a trauma policy, and any exclusion tied to your condition.
Trauma insurance pays a lump sum if you meet the policy’s definition for a listed condition or procedure. A trauma list can include a group of heart events, such as heart attack of specified severity, bypass surgery, angioplasty and heart valve surgery, each with its own wording. A heart condition you already have may be excluded on new cover, and depending on its wording, the exclusion may also reach related heart events.
What we read with you in a trauma policy:
- Heart attack definitions, which can require evidence of severe heart muscle damage to be met
- Angina, which falls outside the minimum heart attack definition in the Life Insurance Code of Practice
- Angioplasty, which some trauma policies pay as a partial benefit rather than the full sum insured
- Coronary artery bypass, heart valve and open heart surgery, each defined separately in the policy
- Cardiomyopathy, aortic surgery and out of hospital cardiac arrest, where a trauma policy lists them
- Whether a heart exclusion stops at the condition named or also reaches linked events such as bypass surgery
- What a new trauma policy with a heart exclusion would still cover, event by event, from its wording
- A trauma claim after a heart attack, and the specialist evidence the policy’s definition asks for
Answering the Health Questions
How can you make sure every detail is there when you answer the health questions?
Readings, dates and letters kept to hand can help you catch every detail and answer with reasonable care.
We can go through each health question with you, with your readings, dates and letters to hand.
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 heart condition, dates, medications and test results are easiest to answer accurately from your records.
The details we set out with you, from your records:
- The date of a heart attack, stent or surgery, taken from your discharge letter or hospital records
- When any blood pressure or cholesterol medication started, and any change of dose since, with the dates
- Your latest blood pressure readings and cholesterol results, as recorded in your GP’s notes
- ECG, echocardiogram and stress test results, with the date of each test and who ordered it
- Chest pain, palpitations or breathlessness you’ve seen a doctor about, including where no cause was found
- Any question you’re unsure how to answer, talked through with us first and answered from your records
- A heart condition in a parent or sibling, given from what you know when a form asks about family history
- Any time off work for a heart event or procedure, with the dates an application asks you to give
Applying With Help
Where does an application for cover start, and what happens after that?
Step by step, the application can be prepared with you, and each stage up to the insurer’s answer can be explained.
We’ll put together an application with you, with questionnaires and reports in the order an insurer needs them.
Some insurers publish questionnaires for high blood pressure, high cholesterol, chest pain, heart murmur and other heart conditions, which can help avoid a request for extra medical reports. Some also offer pre-assessment, which gives an indication before a formal application is lodged. If alternative terms are offered, they can be discussed with your financial adviser before you accept.
How we prepare an application with you:
- Questionnaires on blood pressure and cholesterol, offered by some insurers, filled in from your own readings
- A chest pain or heart murmur questionnaire, where one is offered, answered from your doctors’ notes
- Indicative feedback on your heart history, available from some insurers through pre-assessment before you formally apply
- Letters from any cardiologist you see, sought with your consent at the underwriter’s request
- A heart attack or stent in recent months, and the case for applying now or after later tests
- Tests still under way for chest pain, and why an insurer may wait for the results before deciding
- An offer with a heart-related exclusion or loading, talked through in full before you say yes
- Any exercise ECG or stress echocardiogram an insurer requests, scheduled around your other medical appointments
Cover You May Already Hold
Might any cover you have through super be worth reviewing before a change?
Looking at any cover in your super before a change can help you keep the terms still worth having.
We can read any policy you hold from before your diagnosis, starting with its heart attack wording.
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 trauma cover issued since 1 July 2017 by an insurer that subscribes to the Life Insurance Code of Practice, a heart attack claim can be assessed against the better of the policy’s definition and the Code’s, subject to limits set out in the Code.
What we look at in cover you already hold:
- The heart attack definition in an older trauma policy, compared with the Code’s minimum where it applies
- Older individual policy wording naming a heart test no longer in mainstream use, which a Code subscriber assesses using a current method
- Default cover through your fund, where you have it, and how the PDS treats a heart condition you already had
- Topping up fund cover after a heart diagnosis, which usually means health questions much like a new application
- Insurer letters about an earlier heart exclusion or loading, read with you to see what they still apply to
- Cover linked to your current job or fund, confirmed before you move roles with a heart history
- Replacing an older policy, which could mean new cover leaves out future heart problems, so we check first
- Trauma, TPD and income protection held side by side, checked together for any heart-related gaps
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 Heart Cover Questions, Worked Through Together
Your Records Gathered Before Applying
Readings, test results and any specialist letters brought together before an application is lodged.
Any Offer Explained Before You Decide
Any loading or heart-related exclusion explained, so the choice stays yours.
Trauma Exclusion Wording Read
What a heart-related exclusion on a trauma policy leaves in place, read with you clause by clause.
Heart Attack Definition Checked
The heart attack wording in any trauma policy you hold, read with you for what a claim must show.
Any Cover in Super Confirmed
What any default cover in super provides, and any pre-existing condition rules, confirmed from the fund’s PDS.
Household Cover Looked At Together
Cover for a partner or family member, if you’d like it considered, looked at alongside your own.
Timing After an Event Talked Through
When to apply after a recent heart attack, stent or surgery, talked through with the reasons.
Your Claim Lodged and Followed Up
A trauma, TPD or income protection claim lodged with you, with reports from your treating doctors.
Proactive, Holistic, and Experienced Financial Planning
Whatever your heart history, you deserve clear explanations and time to think them through. We start by listening, so we understand your situation, your plans and what you’d like your cover to do. From there, we explain each step in plain terms, answer your questions as they come up and work at a pace that suits you. You’ll read through your application before it’s sent, and the decisions along the way are yours to make.
We take on the paperwork with you. With your consent, we can request letters and reports from your GP or cardiologist, keep track of what an insurer asks for and follow up so you don’t have to chase it. A partner or family member is welcome to join any conversation if that helps, whether from the start or later on. You’ll know where your application stands and what comes next, from the first conversation onwards.
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 heart 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.
An application can ask about high blood pressure and cholesterol, rhythm conditions such as AF, heart murmurs and valve conditions, angina, a past heart attack, a stent or bypass, and heart conditions you were born with. We can’t give a yes or a no on any of them before we understand your situation.
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. We start with your diagnosis, your treatment, the dates of any event and your latest test results, then explain what applying for each type of cover would involve.
For blood pressure, an insurer may ask about your recent readings, any medication and when it started. For cholesterol, it may ask about your latest results and any treatment. Both can be considered together with weight, smoking status and family history, so the same reading can be viewed differently from one application to the next.
Some insurers use a questionnaire for each, which can help avoid a request for extra medical reports. We’d want to understand your situation before saying anything about cover, and we’ll help you gather your readings and results so each answer comes straight from your records.
The questions can cover the diagnosis, whether episodes come and go or are ongoing, how often they happen, any procedure such as an ablation, and any medication, including blood thinners. An ECG or a specialist’s letter may be part of the evidence.
For income protection, an insurer may also consider any time off work for episodes or procedures, and alternative terms can include an exclusion for the condition or a higher premium. We’d want to understand your situation first, then explain what each type of cover would involve.
What follows depends on your situation, so we’d want to understand it first. An insurer may ask what happened and when, the treatment, the extent of any heart muscle damage, any ongoing symptoms, and your blood pressure, cholesterol and smoking status now. Follow-up tests such as a stress test or an echocardiogram can be part of the evidence.
Timing matters too. Soon after an event or a procedure, an insurer may defer an application until recovery and later tests give a clearer picture. We’ll talk through when to apply, and if you hold cover from before the event, we’ll read it with you first.
On a new trauma policy, a heart condition you already have may be excluded, which limits cover for that condition and related claims according to the exclusion’s wording. Heart attack, bypass surgery, angioplasty and valve surgery can sit in the same group on a trauma list, so that wording matters.
Cover taken out before your diagnosis is different. A claim still has to meet the policy’s definitions, and for trauma cover issued since 1 July 2017 by an insurer that subscribes to the Life Insurance Code of Practice, a heart attack claim can be assessed against the better of two definitions, subject to the Code’s limits. We’ll read your policy with you.
It depends on the policy you hold or are offered. Income protection can replace part of your income if illness or injury stops you working, subject to the policy’s waiting period, definitions and exclusions. Some policies also pay a partial benefit during a staged return, such as reduced hours while you recover.
If you’re applying with a heart history, an insurer may offer alternative terms, such as an exclusion for the condition or a higher premium. We’ll explain what each would mean for your income before you decide. If your work is physical or relies on a licence, we’ll set your duties out clearly in the application too.
Online policies are quick to take out, and some ask very few health questions. If an insurer doesn’t ask for your medical history, it may mean the policy has more exclusions or narrower policy definitions (Moneysmart). For a heart history, narrower trauma wording on heart attack, bypass or angioplasty can decide whether a claim is paid.
With a financial adviser, your readings, test results and event dates are set out in full for the underwriter. Whichever route you choose, every question must be answered with reasonable care, and we’ll go through any loading, exclusion or other term with you before you say yes.
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. Wherever things stand with your heart, we begin by talking through your health, your work and your plans, in the detail that feels right to you.
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 ask what you’d like protection to do, look at any policies in your name or through super, and outline a sensible first step.
No medical records are requested and no forms are sent at that point.
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Doctors, dentists, pharmacists, allied health, nurses and more.
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Lawyers, accountants, brokers, engineers, consultants and more.
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Electricians, plumbers, builders, sole traders, franchisees and more.
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Executives, senior managers, directors, board members and more.
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Police, firefighters, paramedics, ADF personnel, teachers and more.
Approaching Retirement
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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