Life Insurance and Income Protection for Office, Admin and Contact Centre Workers
Income Protection for Office, Admin and Contact Centre Workers and Their Families
Your office, phone or screen duties, your part-time, casual or full-time hours and any cover through work and super all shape your options. We can help you understand any cover you hold, apply for new cover and lodge claims.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Front desk and reception staff in clinics, firms and offices
- Executive assistants and personal assistants to managers and teams
- Bookkeepers in accounts teams, or keeping the books for their own clients
- Payroll officers and HR administrators
- Paralegals and legal secretaries supporting lawyers in practice
- Real estate administrators keeping sales and leasing paperwork moving
- Customer service agents taking calls and chats, on site or working remotely
- Data entry and records officers keeping information accurate and filed
- Agency temps and casuals placed in offices with different employers
- Office workers changing their hours after parental leave or for clients of their own, with cover from an earlier job
We Can Help You
- Describe your phone, screen and office tasks plainly on a cover application
- Raise part-time days and any minimum weekly hours rule with each insurer before you apply for income protection
- Show each insurer your casual, temp, shift or overtime earnings for income protection
- Count the weeks your leave or savings could carry the household, then choose an income protection waiting period
- Check how income protection and TPD policy wording would apply to reception, admin or customer service work
- Check the cover, cost and recorded occupation in every super fund before you combine or switch
- Clarify that income protection is generally for illness or injury, not a role ending, and what that means for you
- Review any cover you hold before parental leave, or before you return to work on fewer days
- Talk through cover before a change in hours, a new employer or your first clients of your own
- Gather your duties, payslips and doctors’ reports with you when a claim goes to the insurer or fund
What we advise on
How Each Cover Works Around Office and Admin Work
Income Protection
Illness or injury could keep you from the desk or the phones for a while: what would help at home?
After a waiting period, income protection can pay part of your income, within the policy’s terms and the insurer’s assessment.
We can compare income protection policies with you for your duties, hours and pay, from a wide range of insurers.
Moneysmart says income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury. Exclusions can apply, including to occupations or activities. An insurer usually looks at your job and duties when you apply, and this can affect whether cover is offered, the benefit periods and the amount.
What we look at with you on income protection:
- Illness as well as injury, since income protection is about being unable to work for either reason, not only after an accident
- Your office, phone or screen duties described in full, since an insurer usually looks at your job when you apply
- What counts as disabled under each policy, compared with the calls, records or screen work your role involves
- Minimum weekly hours in some policies, which Moneysmart notes, set against your part-time or casual days if you work them
- Any part-time or casual earnings over the year before an illness or injury, and how each insurer would count them
- A waiting period chosen with you, matched to any sick leave and savings you’d draw on away from the office
- How long a benefit could be paid for, with each benefit period set out and compared on cost
- Income protection premiums compared with what your hours bring in, paid through super or personally, with an accountant on tax
Life Insurance
What would the people who rely on you need if you weren’t here?
Life cover can pay your beneficiaries a lump sum towards debts and everyday costs.
We can size a life cover amount with you from debts, everyday costs and anyone relying on you.
A life policy pays a lump sum to your beneficiaries if you pass away, and some include terminal illness cover. Insurers usually ask your age and job when you apply. If you haven’t nominated anyone, your estate or your super fund’s trustee may decide where the money goes.
What we weigh up with you on life cover:
- Mortgage repayments, if you have a home loan, and the life cover amount that would pay out the balance
- A partner’s income, if you have a partner, and how much of the household’s costs it already covers
- Children’s costs through school and beyond, if you have children, set out year by year
- Insurance in a fund from an earlier job, if you have one, which could count towards the amount you’d need
- A beneficiary nomination on each super fund you hold, naming people the trustee’s rules allow, or your estate
- Life cover bundled with TPD, so you can see how a TPD claim may shrink the life amount
- Reception, admin or contact centre duties described with care, as insurers usually ask about your job when you apply for life cover
- Life cover that comes with an office job, if yours has it, and what to ask before your last day
TPD Insurance
Could the household keep going if illness or injury meant you could never return to work?
TPD cover can pay a lump sum if you meet the policy’s definition of total and permanent disability.
We’ll explain how TPD definitions could treat the skills you build in office, admin and customer service work.
“Own occupation” wording looks at whether you could work again in the job you had before your disability, while “any occupation” wording looks at whether you could ever work again in any job suited to your education, training or experience. Moneysmart says own occupation cover is usually only available outside super. Some definitions look at everyday activities instead of work, and the insurer or fund decides each claim.
What we compare with you on TPD:
- Own occupation wording, usually only available outside super, and how it would apply to your usual office role
- Any occupation wording, and how your admin, customer service or bookkeeping skills might count, with the insurer or fund deciding
- Each fund’s TPD wording, checked with you against reception, payroll, records or customer service work
- The occupation each fund has recorded for you, compared with the duties you have today
- Activities of daily living wording, a narrower test some policies use, checked with you before you choose
- A lump sum sized against a home loan or rent, if you could never work in any role again
- TPD beside income protection, since TPD is a lump sum and income protection replaces part of your income
- Part-time hours, and the questions to ask each insurer or fund about how its TPD wording treats them
Trauma Insurance
Treatment and time off after a serious diagnosis: what could help with the costs?
If a listed condition meets the policy’s definition and isn’t excluded, trauma cover can pay a lump sum.
We’ll read each trauma policy’s list of conditions with you, and how a lump sum could work alongside income protection.
New trauma cover can’t be held inside super, which has been the rule for policies taken out since 1 July 2014. Each policy lists the conditions it covers and defines each one, and Moneysmart notes medical definitions can be different between insurers. Tax on a payment is a question for an accountant.
What we read with you in a trauma policy:
- Condition lists and definitions from several insurers, compared side by side before you choose a policy for your budget
- Partial payments some policies make for less severe conditions, and what remains of your cover after one
- Paying trauma premiums yourself from wages or client fees, as new cover of this type isn’t available through super
- A diagnosis while you’re on part-time or casual hours, and how a lump sum could help with pay you miss
- Time off without paid leave if you’re casual or self-employed, and what a lump sum could go towards
- Costs outside Medicare and any private health cover, such as travel or help at home, that a lump sum could go towards
- A trauma policy from an earlier job or stage of life, if you hold one, compared in full with anything new before you swap
- Tax on a trauma benefit, raised with an accountant while you compare policies
Cover in Super
What cover sits in your super, and does it still fit the work you do?
Each fund’s statement can show what cover it holds, what it costs and the job it records.
We’ll list each fund’s cover with you, with its cost and the job it records, before anything changes.
Premiums for cover in super are deducted from your balance, so it’s worth asking your fund what a low balance would mean for your cover. Default cover can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s product disclosure statement (PDS). Increasing it is usually underwritten, meaning the insurer assesses you before deciding.
What we check in each fund with you:
- Funds from earlier office or temp jobs, if you have more than one, set out with the cover each holds and its cost
- The job your fund has recorded for you, which Moneysmart suggests asking the fund to correct if it’s wrong
- Stapling, which generally sends a new employer’s contributions to your existing fund, and what that fund’s insurance holds for you
- Cover in a new fund if you’re under 25, which you may need to ask for, depending on your job and your fund
- Default cover’s rules on earlier illness or injury, found in each fund’s product disclosure statement, before it forms part of your plan
- Premiums taken from a smaller balance in years on fewer hours, and what a low balance could mean for cover
- Moving a fund from an earlier role only after checking its insurance, as moving super may cost you that cover
- Topping up default cover, which usually means the insurer assesses you first, if the default amount is less than you’d want
Part-Time, Casual and Shift Hours
Part-time, casual or shift hours: what’s worth knowing before you apply for cover?
Hours and pay set out clearly can give each insurer a full picture when you apply.
Together, we’ll set out your days, hours and pay for an application, and ask each insurer how it treats them.
Jobs and Skills Australia lists tasks for these roles such as answering calls, emails and messages, and recording, sorting and filing information. Since 5 October 2021, when you apply for consumer life cover, your duty is to take reasonable care not to make a misrepresentation. That means answering the questions you’re asked with reasonable care.
What we describe with you about your hours:
- Your part-time days and hours, if you work part-time, set out so the insurer sees your usual week
- A question for each insurer about minimum weekly hours, which Moneysmart says some policies have
- Casual pay without most types of paid leave, as Fair Work notes, and how each insurer works out casual income
- Shift or overtime pay in the 12 months before an illness or injury, and how each insurer treats it
- Two part-time jobs at once, with both employers’ hours and pay set out together on an application
- A year that included parental leave, and the question for each insurer on how lower earnings that year are treated
- A return on fewer days after time away, set out for an insurer as your new usual week
- Temp work through an agency, with the placements and your pay records described as they are
Restructures, Temp Work and Your Own Clients
If a role changed or you went out on your own, what would happen to your cover?
Asking a few questions early can show what stays, what may change and what you could apply for.
Together, we’ll check cover with you before a role ends, temp work starts or your first clients arrive.
Income protection is generally for illness or injury rather than losing a job. Any cover that comes through your employer may not continue once you leave, so it’s worth asking your employer or fund before your last day. If you’re self-employed, Moneysmart notes you won’t have paid holidays or sick leave.
What we look at with you before the change:
- A restructure announced at work, and what income protection would and wouldn’t do if your role ended
- Cover through your employer, if you have it, and what to ask before your last day, as it may not continue
- Insurance in your super fund, which usually stays with that fund if you keep the same fund after a job ends
- Temp or casual work after a permanent role, and how the change in hours and pay shows on an application
- Your first bookkeeping or admin clients, with no paid sick leave once you’re self-employed, as Moneysmart notes
- Income evidence from your own clients, such as financial statements prepared with your accountant, ready if an insurer asks
- Professional indemnity for bookkeeping work, a separate cover a general insurance broker can talk through
- Registration with the Tax Practitioners Board for BAS services, a separate step from personal cover that the board can explain
When to Review Your Cover
Which changes in your hours, work or home life could be worth a fresh look at your cover?
New hours, a new employer or a change at home can each be a good reason to book a conversation.
Together, we’ll review any cover you hold, alongside your hours, work and home life now.
Hours in office, admin and contact centre work can move between part-time and full-time, casual and permanent, or into clients of your own. Each change can alter what you earn and how an application describes your work. We can read a policy or fund statement with you, and the insurer decides on any new application.
Situations worth raising with us in a conversation:
- Part-time to more days, or the reverse, and how the change shows in the income an insurer looks at
- A new employer or a new industry, and the job title your fund or policy would now carry
- Casual or temp work becoming a permanent role, and questions about cover through the new employer, if it offers cover
- Your first clients of your own, with paid sick leave no longer part of the picture once you’re self-employed
- Starting in an office before 25, when cover in a new fund may need asking for, depending on your job and fund
- A home purchase, a baby or a separation, and the life and TPD amounts that would suit the change
- Premiums that generally rise with age, set against what your current hours bring in
- A move to working from home, if your duties change with it, and how an application would describe them
Making a Claim
Claim forms and follow-up can take effort when you’re unwell: who could help?
Lodging your claim together means help with each form and step while the insurer or fund assesses it.
Together, we’ll prepare and lodge your claim, then follow it up while the insurer or fund assesses it.
Moneysmart says to speak first to whoever you bought the policy from, your fund for cover in super, or your employer for cover through work. An insurer can ask about your duties, your weekly hours and your pay records. The insurer, or the fund for cover in super, assesses the claim, and a complaint goes to them first, then to AFCA, the Australian Financial Complaints Authority.
How we help with a claim:
- The first call to make, to the insurer, your super fund or an employer, depending on where the cover sits
- Your duties, hours and usual days set out for the insurer, including part-time or casual patterns
- Payslips for the period an insurer asks about, or financial statements if you’re self-employed
- Reports from your doctors, and which ones the insurer asks for, gathered with you
- Time off after an injury at work, with workers compensation claimed separately under the scheme that applies, and each scheme sets who qualifies
- Other payments during time off, such as sick leave or workers compensation, and whether they reduce a benefit
- A return on fewer hours, and the partial benefit terms some income protection policies set
- Next steps if you’re unhappy with how a claim is handled, starting with the insurer or fund’s own complaints process, then AFCA
Health Conditions & Illnesses
Could a health condition change the cover an insurer offers you?
Our guides explain what insurers may ask about common conditions, and a health condition doesn’t necessarily rule out cover.
We can help you prepare an application when you have a health condition or a past illness.
Underwriting is how an insurer assesses an application and decides whether to offer cover, on what terms and at what price. Possible outcomes include standard terms, a higher premium, an exclusion, a request to apply again later, or a decline.
Guides by health condition:
- Cover with a health condition: where to start
- Autoimmune conditions
- Back or joint conditions
- Blood conditions
- Cancer history
- Diabetes
- Digestive conditions
- Eye or hearing conditions
- Heart conditions
- HIV or hepatitis
- Kidney conditions
- Mental health conditions
- Neurological conditions
- Respiratory or sleep conditions
- Weight, smoking or alcohol history
- Women’s health conditions
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Office, phone and screen duties: Insurers usually ask about your job and duties when you apply. It helps to describe what you do, whether that’s calls, data entry, pay runs, reception or client records.
- Part-time days: Moneysmart notes some income protection policies only cover you if you work a minimum number of hours a week, so your usual days are worth raising with each insurer.
- Casual and temp shifts: Fair Work says casuals don’t get most types of paid leave. Each insurer works out income in its own way, so it’s worth asking how casual or temp pay is counted.
- Shift and overtime pay: Income protection usually works from your earnings in the 12 months before an illness or injury. Where your pay includes shift or overtime rates, ask each insurer how they’re treated.
- Parental leave and returning: A year with parental leave in it can mean lower earnings. It’s worth asking each insurer how it would treat that year, and your employer or fund what happens to any cover through work while you’re away.
- A role changing or ending: Income protection is generally for illness or injury rather than losing a job. Cover through an employer, if you have it, may not continue once you leave.
- Clients of your own: If you’re self-employed, Moneysmart notes you won’t have paid holidays or sick leave, and an insurer can ask for financial statements at claim.
- Cover from earlier jobs: A fund from an earlier job may hold its own cover, at its own cost, with a job recorded for you. It’s worth checking before anything changes.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Office and Admin Work, Worked Through Together
Office Duties Described for an Application
Your day-to-day tasks described with you as they are, ready for an application.
Part-Time Hours Raised With Each Insurer
Your usual days and any minimum hours term asked about with each insurer before you apply.
Casual and Temp Pay Brought Together
Shifts, placements and pay records brought together, with each insurer asked how it counts them.
Each Super Fund’s Cover Checked
The cover, cost and recorded job in each fund checked with you before anything is combined.
Cover Looked at Before Parental Leave
Any cover through work or super reviewed with you, with questions for your employer or fund.
Policy Definitions Checked for Office Work
Income protection and TPD wording checked with you against the work you do now.
Cover Looked at Before You Take On Your Own Clients
Sick leave, cover through super and income evidence looked at with you before you leave a job.
An Office Work Claim Lodged With You
A claim lodged with you, with duties, hours and pay records ready for the insurer or fund to assess.
This has really changed our lives
Ray and his team has been incredible, they look after my entire family including my brother in law. Over the years he has helped us with investments, tax and other advice. This has really changed our lives.
Read moreDean Desoukey is changing lives!!
From the very beginning he was warm, patient, incredibly knowledgeable, and genuinely cared about helping us make the right decisions for our future. The positive impact they've had on our family financially and the peace of mind he's given us has been huge.
Read moreI felt heard, understood, and respected
I can't speak highly enough of the service I received from Dean Desoukey. Financial conversations can often feel overwhelming, but he created a space where I felt heard, understood, and respected. He took the time to really listen, explained things clearly, and never rushed me through decisions.
Read moreKnowledgeable, patient and caring
I cannot recommend Ray highly enough. He is an exceptional financial adviser: knowledgeable, patient and caring. From the very beginning, he took the time to truly understand my goals and helped me to create a clear structured financial plan. I never feel rushed or pressured.
Read moreThank you Ray for protecting me and my family
Ray has been my trusted financial adviser for over 12 years. He is highly knowledgeable and passionate about making sure his customers have the right insurance to secure them and their family. I was recently sick and Ray was there right away when needed most.
Read moreHe went above and beyond
I recently dealt with Ricky Regmi at Ryker Capital, and I couldn't be more satisfied with the service I received. Ricky was incredibly patient and supportive throughout the entire insurance process. He went above and beyond, coordinating with my accountant and doctor to ensure everything was in order.
Read moreIt never feels transactional
We've been working with Jack for the past two years, and it's been an incredibly positive experience. He takes the time to build genuine relationships and really gets to know his clients beyond just the numbers. It never feels transactional; it feels like he truly cares about our wellbeing.
Read moreImmensely professional and diligent
Ray has been immensely professional and diligent in my most recent SMSF restructure and insurance review. He not only tweaked it to make it work more for me and my future goals but recommended future strategies to help build my wealth. Cannot recommend him enough.
Read moreHolistic and Experienced Financial Advisers for Office, Admin and Contact Centre Workers
Your work keeps a workplace moving. Calls get answered, meetings happen on time, people get paid and records are ready when someone needs them, and plenty of people count on that every day. We’d like to hear about the rest of your life as well: the people who matter to you, what you enjoy and what you’d like more of. Then we’ll build a plan with you around those goals, so your money can support the life you’d like to lead, at work and at home.
Your own plans are worth the same care you bring to the work you do for others. They might include a place to call home, more time with the people close to you, study towards a new role or the choice to work fewer days later on. Anyone relying on you can have a place in the plan too. We can plan the next step with you, whatever it is, and our ongoing advice clients go over their plan with us each year.
If illness or injury kept you from office, admin or contact centre work, income protection can pay part of your income after a waiting period, subject to the policy’s definitions, exclusions and the insurer’s assessment. Personal cover can also include life, TPD and trauma cover, each with its own terms. We can advise on cover alone, without a full financial plan, explaining each one in plain language and comparing cover from a wide range of insurers with you. The insurer decides on any application.
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.
Learn more about Financial Planning and Advice for Office, Admin and Contact Centre Workers
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 office, admin or contact centre work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Office, admin and contact centre work can be full-time, part-time, casual or temp, employed or with clients of your own. Each can affect how an insurer assesses an application and how a policy’s definitions read a claim, so your duties, hours and pay are 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
- Annual reviews of your cover through ongoing advice, with your health, family and work in mind
- 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.
Moneysmart says income protection is designed to pay part of your lost income if you’re unable to work due to illness or injury, so it isn’t only about accidents at work. After a waiting period, a policy can pay part of your income, subject to its definitions and exclusions.
Whether it suits you can depend on your savings, the sick leave you have, if any, and how much you rely on your pay for your bills. We can compare policies with you across a wide range of insurers, and the insurer decides on each application.
Moneysmart notes some policies only cover you if you work a minimum number of hours a week, so it’s worth asking each insurer how your usual days would be treated. A benefit is usually based on your earnings in the 12 months before an illness or injury, which on part-time pay reflects the hours you work.
We can set out your days and pay with you before you apply, and the insurer decides on each application and claim.
Fair Work says casuals don’t get most types of paid leave, so savings may need to cover a waiting period before a policy could pay. Each insurer works out casual or temp income in its own way, so payslips across the year can matter, especially when shifts or placements change from week to week.
It’s worth asking each insurer how it would treat that pattern. We can gather your records with you and compare policies across insurers.
Yes. Permanent, casual or temping, our financial advice and strategies can help you prepare. That could mean a buffer sized from household costs, a list of the cover you hold through work and in each super fund, and questions for your employer or fund about what may change before your last day. Fair Work says casuals don’t get redundancy pay, though an agreement or contract can say more.
Income protection is generally for illness or injury rather than losing a job, so we can help you understand what it would and wouldn’t do for you, and what may change with any cover if you leave. If your job does end, our redundancy advice can help with what comes next.
Start by asking your employer or fund what happens to any cover through work or super while you’re on leave. If you have cover in super, premiums can keep coming off your balance, so it’s worth knowing what they cost. If you hold income protection, ask the insurer how it would count a year with lower earnings.
Super the ATO pays on government Parental Leave Pay is a contribution to your super, not insurance cover. We can go through each piece with you before your leave starts.
If you’re self-employed, Moneysmart notes you won’t have paid holidays or sick leave. It also suggests checking how moving from employee to self-employed affects the insurance cover through your super, before you go.
If you claim later, an insurer can ask for financial statements in place of payslips. Professional indemnity for bookkeeping work is a separate cover, and a general insurance broker can talk it through. We can read your cover with you and compare policies, and the insurer decides on each application.
Moving from casual to permanent, going from part-time to more days, changing employer or taking on clients of your own can each change your income and how an application describes your work. At home, a new loan, a baby or a separation can change the amounts you’d look at.
We can read a policy or fund statement with you and compare cover you could apply for, and the insurer decides on any application.
Our ongoing advice clients have an annual review with us.
Online quotes are a quick way to see a price, based on the questions each one asks. What a quote may not show is how a policy treats part-time days, casual pay or a year on parental leave, or the cover that already sits in your super.
Personal advice starts with your hours and pay. From there, we can read the cover you hold with you and look at policies from a wide range of insurers, with the insurer deciding each application.
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.
We’re a national service, so you can meet with us by phone or video from anywhere in Australia. We also have offices in three cities:
- Sydney: offices in Sydney CBD, Parramatta, Seven Hills, Ingleburn and Narellan, servicing areas including the City of Sydney, Eastern Suburbs, Inner West, North Shore, Northern Beaches, Sutherland Shire, Blacktown, Liverpool, Campbelltown and all surrounding suburbs.
- Melbourne: our St Kilda Road office, servicing areas including the City of Melbourne, Port Phillip, Boroondara, Monash, Casey, Wyndham and all surrounding suburbs.
- Brisbane: our Eagle Street office, servicing areas including Brisbane City, Moreton Bay, Ipswich, Logan, the Gold Coast, the Sunshine Coast and all surrounding suburbs.
Yes. Part-time, casual, permanent or temping, you’re welcome to start with us wherever your cover stands today.
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.
Having a recent pay record and any policy or fund statement on hand helps. We can read the details with you.
Reviews
Testimonials from Our Clients
Client Success Stories
A Property Sale Became a Full PlanEstimated long term financial benefitApprox $448,000
A Plan to Keep the Family HomeLife cover established$1.2 Million
Cover in Place and Fees LoweredImmediate value$1,055 a year
Super Fees More than HalvedProjected retirement uplift$416k
Income Covered for a New MortgageImmediate value$975 a year
A 13-Year Mortgage Paydown PlanPlanned mortgage paydown13 years
A First Home and Family CoveredImmediate value$1,346 a year
Age Pension Kept After an InheritanceProjected uplift at 90More than $642,000
Grow & Protect Your Wealth Today
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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