Life Insurance and Income Protection for Lawyers
Income Protection for Lawyers and Their Families
How you’re paid as an employee, partner or barrister, and any cover through a firm, association or super, all shape your cover. We help you read any cover you hold, compare and apply, and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set out your legal work, court and travel time, and weekly hours accurately on a cover application
- Show how a salary and any bonus, a profit share or fees would be read for income protection
- Compare own and any occupation TPD definitions for work that rests on legal training
- Read any group cover through a firm or a bar association beside personal cover
- Set chambers rent, staff wages and other practice outgoings against business expenses cover and income protection
- Look at insurance to fund the buy-out terms in a partnership agreement, alongside your fellow partners
- Read any older income protection policy closely before anything replaces it
- Review any cover you hold before an equity offer, a start at the bar or an in-house role begins
- Bring a spouse or life partner into the review, so household cover is weighed with your practice income
- Prepare and lodge a claim with you, drawing on payslips, partnership statements or practice accounts as evidence
Who We Help
- Graduate and junior solicitors on a salary in private firms
- Senior associates paid a salary and any bonus
- Salaried partners weighing an invitation to equity
- Equity partners paid a share of the firm’s profits
- Sole practitioners and small-firm principals carrying the costs of a practice
- Barristers new to the bar in their first years of practice
- Barristers in established practice with chambers and other practice costs
- Solicitors leaving private practice for an in-house team or a government role
- Lawyers returning from parental leave to a four-day or shorter week
What we advise on
How Each Cover Works Around Legal Practice
Income Protection
Which bills could still be met if illness or injury kept you away from practice for months?
Income protection can pay part of your income after a waiting period, so household bills have support while you’re away from practice.
Together, we’ll compare income protection policies around how you’re paid, whether that’s a salary, a share of profits or fees.
Income protection can pay part of your income if illness or injury stops you working, after a waiting period and subject to the policy’s terms. The benefit is usually based on your earnings in the 12 months before the illness or injury, and each policy has its own definitions of income and disability. Waiting periods can run from 14 days to two years.
What we work through with you on income protection:
- A firm salary plus any year-end bonus, read against the wording each insurer uses to define insured earnings
- A profit share that moves from year to year, and the records an insurer may ask for to show it
- Accrued leave from a firm, or cash held back from fees at the bar, matched to the wait before benefits begin
- How long benefits run, a fixed term or to a chosen age, decided with any practice borrowings or mortgage in mind
- Hours required for cover under some policies, compared with a four-day or part-time pattern of practice
- Parental leave or a lighter year of matters inside the period an insurer measures, and how the wording treats it
- Any professional indemnity insurance your practice needs, a separate insurance we don’t advise on, kept apart from income protection
- Tax deductions on premiums you fund personally, not through super, which your accountant confirms when preparing your return
Life Insurance
Who would meet the costs your income covers today if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, so your loved ones have help with debts and plans.
We’ll total any debts and the costs your income meets, with any cover in super, to set a life cover amount.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Life insurers usually ask about your age and job when you apply, and it’s important to nominate who you want the money to go to.
What we work through for life cover:
- Any mortgage, practice borrowings or a loan taken to fund a capital contribution, added up for the lump sum
- Life cover you may still hold in super from earlier jobs or funds, counted up before any accounts are combined
- Each fund’s binding or other nomination, open only to the people super law allows or to your estate, kept current if you change firms or funds
- Any life cover through a firm or an association, read for its amount and for when that cover ends
- Early payment of the lump sum on a terminal illness diagnosis, if offered, and the doctors’ certification involved
- The sum insured revisited when equity, the bar or an in-house role changes what your household relies on
- Any personal policy taken out earlier in your career, whose wording sets when its terms can change, read ahead of switching
- A spouse or life partner joining the meeting, with any insurance they hold looked at if they ask
TPD Insurance
Where would the money for your plans come from if you could never practise law again?
Under the policy’s definition, a TPD lump sum can go towards debts and the plans you’d made for later.
We’ll read own and any occupation TPD definitions with you against legal work and the roles a law degree suits.
A TPD policy can pay a lump sum when illness or injury leaves you unlikely to work again, under the policy’s own definition. Own occupation looks at the job you were working in, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and some insurers offer it for selected occupations only.
What we compare with you for TPD:
- Being unable to practise law, under any own occupation wording an insurer offers for your work, contrasted with tests reaching other roles your qualifications fit
- In-house, policy, compliance or teaching roles, as examples of work an any occupation test may look at
- Any bar association scheme’s definition of being disabled from practice, read beside personal TPD cover
- Disability wording across any super funds you hold, compared before a rollover if you leave a firm for the bar or in-house
- Your recorded occupation after moving in-house, into government or to part-time practice, confirmed with each insurer
- A lump sum sized to clear any practice borrowings and mortgage, revisited whenever those debts move
- Combined life and TPD policies, where a TPD claim paid may shrink the remaining life benefit under some wording
- Whether a lump sum from super after a TPD claim is taxed at your age, something your accountant can confirm early
Trauma Insurance
During treatment for a serious illness, how might the bills be met while you step back from practice?
A lump sum from trauma cover can help with costs when a listed condition meets the policy’s definition and isn’t excluded.
We can explain each condition a trauma policy lists with you, and where a lump sum fits beside income protection.
Trauma cover can pay a lump sum when you’re diagnosed with a listed condition that meets the policy’s definition and isn’t excluded. Medical definitions can be different between insurers. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- Medical wording behind each named illness or injury, which can be different from one insurer to the next
- Smaller part payments some policies make when a condition is found at an earlier stage, read clause by clause
- Weeks away from court, clients or chambers while you’re treated, and the expenses a lump sum might ease
- Fees or drawings that pause while you step back, and the bills a trauma lump sum might cover until any other benefits begin
- Chambers rent, staff wages and other practice costs that keep running during treatment, if you carry them
- Trauma sold within a life policy, where some wording lowers what beneficiaries receive after a trauma claim is paid
- Any trauma policy taken out earlier in your career, set against current definitions, with no cancellation until a replacement is accepted
- Who owns and pays for any trauma policy, with the tax side of that choice confirmed by your accountant
Cover in Super
Across every fund your legal career has used, how much cover sits in your super today?
Each fund’s insurance read together shows what you hold and what might suit the next stage of practice.
We can read any cover in each fund with you and set out changes in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. If you’re moving from employee to self-employed, Moneysmart suggests checking whether the move affects the insurance cover through your super.
What we look at in your super with you:
- Any funds opened at earlier firms, with the insurance in each noted before any are rolled together
- Contributions you choose to make if you’re self-employed in a partnership or at the bar, with no employer paying super for you
- The job title each fund holds for you, refreshed if you leave a firm for the bar, government or an in-house team
- How each fund’s TPD and income protection wording treats someone practising part time or returning from leave
- Pre-existing condition terms in any new fund’s PDS, checked while insurance at your earlier fund is still held
- Each fund’s deductions for insurance, totalled across accounts and compared with what the cover would pay
- Own occupation TPD, usually only available outside super, weighed against the TPD wording in your fund
- Personal policies and fund insurance set side by side, to see whether any practice debts are insured twice or left short
Partnership and Your Own Practice
When a salary becomes a share of profits, how could your cover keep pace with the change?
Reviewing cover around a profit share and practice costs can help it fit the new arrangement.
Together, we’ll look at cover around a share of profits, any capital contribution and a practice’s running costs.
If you’re self-employed as a sole trader or in a partnership, you don’t have to pay super guarantee for yourself. An insurer may work out a partner’s income from their share of the business profits or losses. Business expenses cover, offered by some policies, can pay eligible fixed costs of a practice, and it generally excludes your own pay.
What we look at with you as a partner or principal:
- Your share of the firm’s profits, worked out from partnership financial statements when an insurer assesses income
- No compulsory employer super paid for you if you’re self-employed in a partnership, so contributions are yours to plan
- A capital contribution or practice loan, if you take one on, and the cover measured against that debt
- Business expenses cover for rent, staff and other eligible costs as a policy defines them, beside income protection
- Partnership or buy-sell cover to fund the terms any partnership agreement sets, with the agreement itself for the partners and the firm’s lawyer
- Key person cover, offered by some policies, where a practice relies heavily on one lawyer’s work
- Who owns any business policy, and how its premiums are paid, worked through with your accountant
- A salaried partner title, and whether it changes any cover, which depends on the arrangement itself
Practising at the Bar
With no employer behind a practice at the bar, what could take the place of paid sick leave?
Personal cover such as income protection can pay part of your income after a waiting period.
We’ll compare cover with you for practice as a sole practitioner at the bar, around your fees and chambers costs.
Barristers practise as sole practitioners, rather than in partnership or as employees. Self-employment comes without paid holidays or sick leave. Some associations arrange group cover for members, so it’s worth reading what any scheme pays and when it ends.
What we look at with you at the bar:
- Fees as income for income protection, and how a policy treats fees for work done before an illness or injury
- A waiting period weighed against your savings and any fees still to come in from past matters
- Chambers rent and other practice costs, and business expenses cover where a policy offers it
- Any association group scheme, read for its benefit, its definition and the age it ends or lets you opt out
- Own occupation wording read against practice at the bar, where an insurer offers it for your occupation, usually only outside super
- Cover held in super from any years as an employed solicitor, read before you rely on it at the bar
- Any agreed value income protection policy, a kind no longer sold, read before anything replaces it
- Cover reviewed as your fees, chambers costs and any debts change over your years of practice
Making a Claim
Who could share the forms and the follow-up with you if a claim is ever needed?
Support with forms, records and the insurer’s questions can make a claim easier to follow.
We can lodge a claim with you, put together the duties and income records it needs, and follow up the insurer.
Moneysmart suggests speaking first to whoever you bought the cover through, such as a financial adviser. An insurer can ask for details of your work duties, including physical requirements, and the hours you work each week, with payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Court, client and desk work in the months before the illness or injury, with the hours you worked each week
- Payslips for an employed role, or partnership statements and practice accounts if you were self-employed
- Clinical notes held by the GP and specialists you see, which an insurer will ask your consent to access for a claim
- Any separate claims on a bar association scheme or a fund with insurance, lodged with you side by side
- Rent, staff and other practice costs claimed under any business expenses cover, if you hold it, beside your other claims
- Ongoing claim forms while you rebuild a practice after time away, where partial benefits are offered
- Workers compensation for an employed solicitor, which the scheme decides, kept apart from personal claims we lodge with you
- An objection you take first to the insurer or your super fund’s trustee, and to AFCA after that
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your legal work: Insurers usually ask about your job when you apply. Desk work, court appearances, client meetings and travel can add up to quite different weeks, so describing your own work accurately is part of any application.
- Your hours: Long weeks and part-time days both matter here. Some policies only cover you if you work a minimum number of hours each week, which is worth checking if you’re thinking of working fewer days.
- How you’re paid: A salary and any bonus, a share of profits and fees are each shown in different records. Income protection is usually based on the 12 months before an illness or injury, and the policy’s definition of income decides what counts.
- Work that rests on your training: Own occupation looks at the job you were working in, while any occupation looks at any job suited to your education, training or experience. Legal training suits many roles, and which definitions an insurer offers can depend on the occupation.
- Cover through a firm or association: Any group cover through a firm or a bar association has its own benefit, definition and end point. Reading it beside personal cover shows what each one would pay, and when.
- Becoming an equity partner: If you become an equity partner who is self-employed in a partnership, no one pays super guarantee for you, and an insurer may work out your income from your share of the profits. Any capital contribution or practice loan becomes part of the picture too.
- The bar or your own practice: Barristers practise as sole practitioners, and self-employment comes without paid sick leave. Fees become your income, chambers or practice costs keep running, and some policies offer business expenses cover for eligible costs.
- Moving in-house, into government or to fewer days: A new employer generally pays into your existing super fund unless you choose another, and if you’re coming from partnership or the bar, that means super paid in for you again. Any insurance in a new fund may not start automatically. Your income in the 12 months income protection looks at may change, and so may the occupation on record.
Nothing here is a complete list, and no single point decides anything. We begin by learning how you practise and how you’re paid, and the insurer makes any decision on cover.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Legal Practice, Worked Through Together
Your Legal Work Set Out
Court, client and desk work, and your weekly hours, described in full on any application.
Profit Share Read Clearly
Your share of a firm’s profits set out from financial statements for an income protection application.
Fees Set Out for Cover
Fees at the bar, and the practice costs that sit behind them, set out for any cover application.
Definitions Read for Legal Work
Own and any occupation wording read with you against practice and the other roles a law degree suits.
Association Cover Read Alongside
Any firm or association group cover read for what it pays, how it defines disablement and when it ends.
Partners’ Buy-Out Cover Weighed
Insurance to fund the buy-out terms a partnership agreement sets, weighed with you and your fellow partners.
Older Policies Read First
Any older income protection policy read closely with you before anything replaces it.
A Claim Lodged With You
Duties, hours and income records gathered with you, and the insurer followed up while it assesses.
Proactive, Holistic, and Experienced Financial Planning
Good advice on cover starts with a clear picture of where you are, so we begin by listening: how you practise, how you’re paid and what you want your cover to do. We explain each type of cover in plain terms, answer questions as they arise and work at your pace. Recommendations are usually set out for you in writing, with time to read them and raise anything unclear, and each decision stays with you.
We work through the paperwork alongside you. With your consent, we can request insurance details from any fund or scheme that holds cover for you, prepare what an application needs and keep in contact with insurers while they assess it. Your spouse or life partner is welcome at any conversation. If you ever need to claim, we lodge the claim with you and keep you informed until the insurer reaches its decision.
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 legal work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Legal practice can mean a salary and any bonus, a share of a firm’s profits or fees at the bar, any group cover through a firm or association, and a degree that suits many other roles. Each can affect how a policy is assessed and pays, so these are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
For a quick first look, an online quote works from the answers you give on screen. It may not show how a policy’s wording treats a share of the firm’s profits that varies, or fees billed before an illness or injury and paid later. Quote sites generally give general advice only, so your own situation isn’t taken into account.
Advice tailored to you looks first at the way you earn, any group cover through a firm or a bar association, and the TPD definitions available for legal work, then weighs policies across many insurers. We can read each policy’s income wording with you. Any offer of cover, and its terms, remains the insurer’s decision.
An insurer may work out a partner’s income from their share of the business profits or losses, rather than from payslips. Partnership financial statements and tax returns are the usual evidence, and income protection is usually based on your earnings in the 12 months before an illness or injury.
How a policy defines income, including how it treats a profit share that changes from year to year, depends on its wording, so the definition is worth reading before you apply. Your accountant advises on the partnership’s structure and accounts. We can work through your figures with you for an application and compare the income definitions different policies use.
Some associations arrange group cover for members, such as a life and TPD scheme for practising barristers. Each scheme sets what it pays, how it defines being disabled from practice, any age at which cover ends or you can opt out, and what happens if you stop practising, so its terms are worth reading in full.
A scheme may pay a lump sum rather than part of your income, so it’s worth checking which it does. Personal cover you apply for is separate and issued on its own terms. Reading the two side by side shows where they overlap and where each one stops. We can read any scheme documents with you alongside your super.
Moneysmart describes an any occupation definition as being unable to work in any job suited to your education, training or experience. Legal training suits many roles beyond practice, such as in-house, policy, compliance or teaching work, so those are the kinds of roles a definition like this may look at. The insurer assesses each claim under its own wording.
Own occupation looks at the job you were working in before your disability. It’s usually only available outside super, and some insurers offer it for selected occupations only. We can read each definition with you against the legal work you do now.
Partnership or buy-sell cover, offered by some policies, can provide money for the remaining partners to buy the share of a partner who passes away or becomes totally and permanently disabled, as the policy defines it, on the terms the partnership agreement sets. An agreement should be in place for that arrangement. Settling it is for the partners and the firm’s lawyer, and we don’t draft or review it.
Key person cover is different: it can help a practice with costs if a lawyer it relies on can no longer work. Who owns each policy is worth working through with your accountant. We can look at the insurance side with you and your fellow partners.
Older policies can carry terms that are no longer sold. APRA required insurers to stop selling agreed value income protection, so a policy written before that change may set its benefit in a way new cover can’t. 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.
Any new cover is the insurer’s decision, based on your health and details when you apply. We can compare an older policy with current options with you before anything is cancelled.
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. At any stage of a legal career, the first conversation begins with your work, how you’re paid and what matters most to you about cover.
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. Firm or association cover details, partnership financial statements or payslips, and any super statements or policy schedules will help, though medical records aren’t needed at this stage. From there, we’ll agree on a practical next step together.
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