Life Insurance and Income Protection for Postal Workers
Income Protection for Postal Workers and Their Families
Your round or shift, any scheme behind a work injury, cover in super and any offer to leave shape the cover worth looking at. We can help you choose cover, apply, review what you hold and lodge claims with you.
Financial Advice for Life Insurance and Income Protection
Who We Help
- Posties riding, driving or walking a delivery round
- Van and truck drivers moving parcels between facilities and doorsteps
- Mail and parcel processing officers working the sorting floor by day or night
- Counter and retail staff handling parcels and payments over the counter
- Delivery and processing coordinators leading rounds or a sorting shift
- Trainees in their first months on a round or the floor
- Postal staff over 55 and into their 60s, planning their last working years
- Contract parcel drivers delivering under their own ABN
- Post office licensees and the people they employ behind the counter
We Can Help You
- Set out how you ride, drive, lift and sort accurately on a life, TPD, trauma or income protection application
- Set the paid personal leave a postal award or agreement may give you against the waiting periods income protection offers
- Look at how income protection could sit beside workers compensation payments that, under the Commonwealth scheme, can change after 45 weeks
- Plan personal cover for an injury on the ordinary trip to or from work, which the Commonwealth scheme generally doesn’t cover
- Read the TPD and life cover end ages in any cover you hold before you reply to an offer to leave or retire
- Check what any older defined benefit membership provides under its own rules before your work or super changes
- Lay out regular and peak-season overtime the way each income protection policy’s definition of income reads it
- Compare any cover in your super with a policy you’d hold and pay for outside super
- Look at cover of your own before a move from postal employment to parcel delivery on an ABN
- Gather round and sorting duties, hours and overtime payslips with you for a claim we lodge together, while the insurer or fund assesses it
What we advise on
How Each Cover Works Around Postal and Parcel Work
Income Protection
Kept off the round or the sorting floor by illness or injury beyond any leave, what could replace part of your pay?
Income protection can pay part of your income after a waiting period, while illness or injury keeps you from working.
We’ll compare income protection with you around your leave, your pay and the work you do.
Income protection is designed to pay part of your lost income if illness or injury stops you working, usually a percentage of your pre-tax earnings in the 12 months before the illness or injury. Most policies offer a waiting period of 14 days to two years, and you must be unable to work at the end of it. Benefits can run for two or five years or to an age such as 65.
What we look at with you for income protection:
- The personal leave a postal award or agreement may give you, set against a waiting period of 14 days, 30 days or longer
- Peak-season overtime and any regular overtime, laid out against each policy’s definition of income over the 12 months before
- Higher-duties pay for driving a van or truck, and whether each insurer’s way of measuring income includes it
- A motorbike spill on the way to the delivery centre, or a weekend injury, which a personal policy may respond to under its wording
- Any reduction in incapacity payments after the first 45 weeks, where the Commonwealth scheme applies, read against a policy’s offset clause
- A benefit period that runs to an age, set against the year you’d like to finish paid work
- Part-time hours on a walking round or the counter, and whether a policy sets a floor on hours worked each week
- Which pocket pays for the cover, your postal pay or your super, with your accountant settling any tax deduction
Life Insurance
Were you no longer here, what would help the people at home keep their plans going?
Your beneficiaries could receive a lump sum to put towards debts, daily costs and the plans you’ve made together.
Together, we’ll work out a life cover amount from your debts, anyone relying on your pay and any cover you hold.
A life policy can pay a lump sum to your beneficiaries if you pass away, and some include terminal illness cover. Insurers set premiums based on age, health, job and lifestyle. If you haven’t named a beneficiary, your estate or the super trustee may decide where the money goes. Life cover in super usually ends at 70, and life cover sold in a package may be reduced by an amount paid on another claim in that package.
What we weigh up with you for life cover:
- A home loan or car finance taken on over years of postal work, totalled as it stands for a life cover figure
- Any set amount of life cover in a fund you joined, however long ago, measured against what your household would need today
- Who receives your super if you pass away, nominated from those eligible or your estate, checked after a change such as a marriage or separation
- Any lump sum or pension a long-serving member’s defined benefit pays to survivors, read in its own rules before other life cover is sized
- Cover sized to the years any home loan or support for family still has to run, rather than to your finishing date
- Any life policy your partner holds in their own name or super, added in before a postie household’s figure is set
- Life cover paid early if a doctor certifies a terminal illness, where a policy includes that option
- The amount looked at again after a step to coordinator, a move to contract work or a new home loan
TPD Insurance
Should work of any kind be behind you for good, how would the plans you’ve made still be paid for?
With TPD cover, a lump sum can go towards debts and plans if you can’t work again, as the policy defines it.
We’ll weigh TPD definitions with you against your years of postal work, from the round to the floor or the counter.
TPD cover can pay a lump sum if illness or injury means you’re unlikely to work again, as the policy defines it. An own occupation definition looks at your usual job; an any occupation definition looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, TPD cover usually ends at 65 inside and outside super, and some definitions look at daily living activities instead of work.
What we compare with you for TPD:
- Own occupation terms that look at postie or sorting work, set against any occupation terms that look wider
- Time spent leading rounds or a sorting shift, and how an any occupation test might read those years
- TPD held through any super account from postal work or an earlier job, read clause by clause before one is closed
- Postal delivery, mail processing or another label: the occupation on each fund’s file, compared with your work now
- An end age of 65 on most TPD cover, set against the year you plan to finish postal work
- Some TPD terms switching to everyday tasks, such as bathing, eating or moving around the house, instead of postal duties
- A packaged policy whose life amount may drop by whatever a TPD claim pays out
- Weeks off the round paid by income protection, and a TPD lump sum if illness or injury ends your working life, planned as two different supports
Trauma Insurance
When a serious diagnosis means treatment and weeks away from work, how might those costs be met?
A lump sum from trauma cover can be paid for a listed condition that meets the policy’s definition and isn’t excluded.
We’ll read what a trauma policy lists with you, and how it would sit beside income protection.
Trauma cover can pay a lump sum for a listed critical illness or serious injury that meets the policy’s definition and isn’t excluded, and 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, though trauma cover held in a fund from before then may still be in place.
What we go through with you for trauma cover:
- Each illness or injury a trauma policy names, and the exact medical definition a diagnosis must meet for a payout
- A lower first payment some trauma wording allows for an early-stage diagnosis, with the balance of cover kept for a more severe stage
- Trauma cover for a partner who may not hold any through work, looked at alongside your own
- Trauma cover written into a fund before July 2014, if a long-held statement shows any, read before you change that fund
- A diagnosis in the busy parcel season, with a trauma lump sum and any personal leave set side by side for the weeks away
- A trauma amount sized to the costs your household would face if a postal wage paused for treatment
- Trauma cover held on after you finish postal work, read for any expiry age the policy sets
- Spending a trauma lump sum on specialists, time off the round or the mortgage, as your household sees fit
Cover in Super
Set up when you joined a fund, does any cover there still suit your work and your household now?
Reading each fund’s cover against your work and household today can show what still fits and what to look at again.
We’ll check each fund’s cover with you before any change to your work or super.
Many funds provide life and TPD cover to eligible members by default, for a set amount, and some also include income protection. 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. Premiums are deducted from your super balance, not your take-home pay.
What we check in each fund with you:
- The set amount of cover in each fund, measured against your debts and household costs today
- Postie, mail sorter or parcel driver: the job your fund lists, and asking it to fix an incorrect classification
- A fund from a casual start or contract delivery work, and whether the account carries insurance at all
- Any past injuries from years of rounds or sorting, and how each PDS treats conditions you had before joining
- Insurance costs taken from each balance, set beside the sum each fund’s cover insures
- Rolling any old fund into your main one only after comparing the cover each holds, since closing an account can end its cover
- More cover in a fund than its automatic level, to match a mortgage on a postal wage, usually with health questions to answer first
- Usual end ages in super, 65 for TPD and 70 for life cover, compared with the year you plan to finish postal work
Workers Compensation in the Commonwealth Scheme
How could any workers compensation scheme behind your job and cover of your own work together?
Knowing what a scheme provides, and for how long, can help you weigh personal cover around it.
We’ll look with you at how workers compensation rules sit beside any cover you hold or are considering.
Workers compensation is separate, through a state, territory or Commonwealth scheme. If your employer is in the Commonwealth scheme, incapacity payments are worked out from your normal weekly earnings, less anything you earn, for the first 45 weeks, then can be reduced depending on any hours you work. An injury within two years of Age Pension age, or after it, can limit them to 104 weeks, and the payments are taxable. Claim questions go to your employer or the scheme.
What we look at with you beside workers compensation:
- Which scheme, if any, covers your employment or contract, confirmed with your employer or the scheme itself
- Incapacity payments that, under the Commonwealth scheme, can be reduced after the first 45 weeks of payments
- Under the Commonwealth scheme, a payment period of up to 104 weeks for a work injury within two years of Age Pension age or after it
- Ordinary commuting between home and your usual workplace, which the Commonwealth scheme generally doesn’t cover
- Overtime counted in normal weekly earnings only if, under the Commonwealth scheme, you were required to work it regularly
- Super taken as a pension or lump sum while on compensation, which adjusts incapacity payments under that scheme
- An illness or injury a scheme doesn’t accept as work-related, where any personal cover you hold is assessed on its own terms
- Scheme payments and other income a PDS may count against an income protection benefit while both run
An Offer to Leave or Retire
Before you accept an offer to leave or retire, what could change for any cover you hold?
Checking your cover before the reply date lets you see what continues, what ends and what to look at next.
We’ll review your cover with you before you reply to any offer to leave or retire.
TPD cover usually ends at 65 inside and outside super, and life cover in super usually ends at 70. Some defined benefit funds offer benefits that you may lose if you leave, and you generally can’t rejoin, so any membership is worth reading in its own rules. Under the Commonwealth scheme’s rules, taking a super pension or lump sum while on compensation adjusts incapacity payments, and any cover tied to your employment may not continue once that employment ends.
What we review with you before you reply:
- Any cover tied to your employment, and whether it may continue once your last day has passed
- TPD and life cover end ages in each policy and fund, set against the year you plan to finish
- Any defined benefit membership, read in its own rules before you decide on the offer
- Cover held in an accumulation account, read in the fund’s terms before any rollover or withdrawal after you leave
- Any plan to draw on super while receiving workers compensation, and how the scheme’s rules treat it
- Income protection terms read before paid work stops, since the cover is there to replace earnings from work
- Super nominations looked at again before you leave, so each one names eligible people or your estate
- Cover of your own to look at if you plan to keep delivering on contract after you leave
Making a Claim
Who could stay with you through a claim, from the first form to the insurer’s or fund’s decision?
Having someone lodge the claim with you and follow it up can make each step clearer while it’s assessed.
We’ll lodge a claim with you and follow each step with the insurer or fund while it’s assessed.
Moneysmart suggests speaking first to whoever you bought the cover through: the fund, the insurer, a financial adviser or, for cover through an employment arrangement, your employer. An insurer can ask for details of your work duties, including physical requirements, and the number of hours you work each week. The insurer or fund assesses the claim, and a complaint goes first to the insurer or super fund, then to AFCA.
How we help with a claim:
- Whoever arranged each policy, such as a fund or any group plan through a postal employer, as the first number you ring
- What a normal round, sorting shift or counter day asks of your body, and your weekly hours, written up for the insurer
- Payslips showing overtime and allowances, gathered so the insurer can see what your postal work paid
- Your GP’s and specialists’ notes on which parts of your work you can’t manage, released to the insurer with your consent
- Compensation paperwork for a round injury, left with the scheme and any employer involved, while we lodge any claim on your own policies with you
- Incapacity payments or other income while off work, and the offset wording in each PDS for a monthly benefit
- Easing back to a few hours on a walking round or the counter, read against a policy’s partial benefit wording
- Disputing how the insurer weighed your round or floor duties: the insurer or super fund first, 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
- How you get around your round: Insurers usually ask about your job when you apply. Riding a motorbike, driving an electric delivery vehicle or van, or walking a round is part of describing your duties accurately, answering each question asked with reasonable care.
- Parcels and the sorting floor: Lifting and carrying parcels, scanning and sorting, and early, late or night shifts, whichever are part of your work, are worth describing as they are on any application.
- The leave your award or agreement gives: Your award or agreement may give more paid personal leave than the National Employment Standards minimum, and casual employees don’t receive paid personal leave. Any leave you have is part of weighing an income protection waiting period.
- Overtime and allowances: Income protection usually bases the benefit on your earnings in the 12 months before an illness or injury, under each policy’s own definition of income. Under the Commonwealth scheme’s rules, overtime counts towards normal weekly earnings only if you were required to work it on a regular basis.
- The scheme behind a work injury: Workers compensation is separate, through a state, territory or Commonwealth scheme. If your employer is in the Commonwealth scheme, its incapacity payments can be reduced after the first 45 weeks, depending on any hours you work, and ordinary commuting between home and your usual workplace is generally not covered.
- Your age and your cover: TPD cover usually ends at 65, inside or outside super, and an income protection benefit period can run to an age. Under the Commonwealth scheme’s rules, an injury within two years of Age Pension age, or after it, can limit incapacity payments to a maximum of 104 weeks.
- An offer to leave or retire: Any cover tied to your employment, any defined benefit membership and the end ages in each policy are worth reading before a reply date. Some defined benefit funds offer benefits you may lose if you leave, and you generally can’t rejoin.
- Going on contract: A move to delivery on an ABN can change what is in place if illness or injury stops you working. Each workers compensation scheme sets who qualifies, hirers don’t generally provide paid sick leave to contractors, and an income protection application would look at your contract earnings as each insurer counts them.
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 Postal Work, Worked Through Together
Your Round and Sorting Duties Set Out
How you ride, drive, lift and sort, described as it is on any cover application.
A Waiting Period Weighed Against Your Leave
Any paid personal leave from your award or agreement counted before a waiting period is chosen.
Income Protection Read Beside the Commonwealth Scheme
If your employer is in that scheme, its 45-week and pension-age rules set beside any policy.
Personal Cover Looked at for Your Commute
Your trip to and from work weighed in, since the Commonwealth scheme generally doesn’t cover ordinary commuting.
Overtime Set Out for a Policy’s Income Definition
Regular and peak-season hours laid out the way each insurer defines income.
End Ages Checked Before an Offer to Leave
TPD and life cover end ages read with you before any reply date.
Defined Benefit Rules Read in Full
What any older defined benefit membership provides, read in its own rules before a change.
A Claim Lodged and Followed Up Alongside You
Duties, hours and payslips gathered with you while the insurer or fund assesses the claim.
Proactive, Holistic, and Experienced Financial Planning
Advice starts with how your working week runs: any early starts, the round, shift or counter you work, the busier weeks of the year, and what you’d like your cover to do for you and anyone at home. We explain each type of cover in plain terms, take your questions as they come and work at your pace. Our recommendations usually come to you in writing, so you can read them through in your own time and come back to us with anything you’d like to talk over.
Gathering the paperwork is a job we do together. With your consent, we can gather payslips, leave and fund statements, PDSs and any defined benefit statement, and follow up with funds and insurers so the chasing doesn’t fall to you. Family members are welcome at any of our meetings, if you’d like them there. Should you ever need to claim, we’ll lodge it alongside you and keep you posted until the insurer or fund 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.
Learn more about Financial Planning and Advice for Postal 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 postal work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Postal work can mean riding or driving a round, lifting and sorting parcels, early or late shifts and overtime in the busy season, and an employer may sit in a workers compensation scheme with its own rules. Each can affect how an insurer assesses an application and how cover sits beside other payments.
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.
It depends on the scheme and the policy. If your employer is in the Commonwealth scheme, incapacity payments are worked out from your normal weekly earnings, less anything you earn, for the first 45 weeks. After that, the rate can be reduced by an adjustment percentage, depending on any hours you work.
An income protection policy has its own waiting period, benefit period and definition of disability, and its PDS sets out how workers compensation or other payments may reduce its benefit. We can set the two side by side with you, and the insurer decides on any application and assesses any claim.
That depends on which scheme applies. Under the Commonwealth scheme’s rules, injuries during ordinary commuting between home and your usual workplace are generally not covered, while journeys made at your employer’s direction or request may be. State and territory schemes set their own rules, and any question about a claim goes to your employer or the scheme.
Income protection, TPD and trauma cover can apply to illness or injury away from work, on each policy’s terms. We can look at personal cover with you for the trip to and from work, and the insurer decides on any application.
Under the Commonwealth scheme’s rules, an injury within two years of Age Pension age, or after it, can limit incapacity payments to a maximum of 104 weeks. Other schemes set their own periods.
Personal cover has its own ages too. TPD cover usually ends at 65, inside or outside super, life cover in super usually ends at 70, and an income protection benefit period can run for a set number of years or to an age. We can read the ages in any cover you hold with you, and the insurer decides on any application for new cover.
It depends on whether the overtime was regular, and on who is counting it. Under the Commonwealth scheme’s rules, overtime is included in normal weekly earnings only if you were required to work it on a regular basis, worked out from the two weeks immediately before the injury, or a different period if that gives a fairer picture.
Income protection usually bases the benefit on your earnings in the 12 months before the illness or injury, under each policy’s own definition of income. We can set out your overtime and allowances with you for each insurer, and the insurer decides on any application.
Start with what is tied to the job. Any cover through your employment may not continue once it ends. Some defined benefit funds offer benefits you may lose if you leave, and you generally can’t rejoin. TPD cover usually ends at 65, and life cover in super usually ends at 70.
If your employer is in the Commonwealth scheme and you’re receiving workers compensation, taking a super pension or lump sum adjusts incapacity payments. Super nominations are also worth checking, so they name eligible people or your estate. We can review your cover with you before the reply date, and an accountant can advise on the tax side of the offer.
Describe your round accurately, including how you get around it and how much of the day you spend on a motorbike, electric vehicle or van. 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. The insurer assesses each application and decides whether to offer cover and on what terms. We can help you set out your duties and the vehicles you use accurately.
A quote tool is quick because it asks a fixed set of questions. Those questions may not reach any workers compensation scheme behind your job, the paid personal leave an award or agreement may give you, any cover already in your super or how an insurer would count peak-season overtime.
Advice looks at those parts together: your round or shift, your hours and pay, and what you already hold, with every application question answered with reasonable care. From there we compare policies across a wide range of insurers with you, and the insurer decides whether to offer cover.
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. Whether you deliver, sort, drive or serve at the counter, we begin with your work, your household and what matters most 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. Worth bringing: a few recent payslips showing any overtime and allowances, a leave statement, a statement from each super fund including any defined benefit statement, any insurance documents, and any offer letter or contract. From there, we’ll settle on a practical way forward together.
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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