Life Insurance and Income Protection for Psychologists
Income Protection for Psychologists and Their Families
Your weekly sessions, salaried, contracted or private work, any training years and any cover in super shape your personal cover. We help you look over 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 client sessions, assessments, report writing and any supervision you provide on a cover application
- Gather salary records, fee-share statements or business accounts for an income protection application
- Check how a policy’s income definition treats a share of fees kept after a practice’s service fee
- Compare own and any occupation TPD wording for a qualification used in clinical, research and policy roles
- Match an income protection waiting period to any salaried leave balance, or to any savings if you work in private practice
- Go through each health question on a cover application with you before anything is lodged
- Read any insurance in super from hospital, school or university roles if you move into contracting or open your own rooms
- Consider business expenses cover for consulting room rent and reception wages if you run your own rooms
- Review any cover you hold after provisional registration, the registrar program or endorsement
- Lodge a claim with you, setting out your caseload, fee statements or payslips for the insurer
Who We Help
- Provisional psychologists in supervised practice before general registration
- Registrars working towards endorsement under supervision
- Hospital, school and government psychologists on a payroll, with paid sick leave unless engaged as a casual
- Group practice contractors invoicing the practice and keeping what’s left after its service fee
- Psychologists in their own rooms carrying any lease and reception staff
- Psychologists with two roles on a salary part of the week and in private sessions the rest
- Part-time psychologists working two or three days a week
- Psychologists returning to client work after parental leave or a stretch of non-practising registration
- Experienced psychologists reducing their caseload towards retirement
What we advise on
How Each Cover Works Around Psychology Work
Income Protection
While illness or injury keeps you from your sessions, what could keep part of your income coming in?
Income protection can pay part of your income after a waiting period, which can help with household bills during your time away.
Together, we’ll compare income protection around how you’re paid and the sessions you work each week.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, 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 income protection policy has its own definition of disability. Waiting periods can run from 14 days to two years.
What we look at with you for income protection in psychology work:
- The policy’s definition of disability, read against the client sessions, assessments and report writing that make up your week
- A share of fees kept after a practice’s service fee, and whether it counts depends on how the policy defines income
- Profit and loss statements from your rooms or contract work, used as income evidence if you’re self-employed
- Two or three consulting days, and whether a policy only covers people working above a set number of hours each week
- Provisional or registrar earnings that fall inside the 12 months an income protection benefit is usually based on
- A caseload rebuilt gradually after time away, and any partial payment a policy makes while sessions build back up
- How long a benefit can be paid for a mental health condition, which some policies limit, read in each wording
- A salaried role and private sessions held at once, with income from both set out so a policy sees your whole year
Life Insurance
Could your loved ones keep up with the home and everyday costs if you were no longer here?
A lump sum paid to your beneficiaries can help your loved ones clear debts and carry on with the plans you share.
We’ll total any debts and any cover in super with you, then work out a life cover amount that fits.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies also include a terminal illness benefit. Insurers usually ask about your age and job when you apply. A nomination in super can only name eligible people or your estate.
What we total and read with you for life cover:
- Any debts from setting up a practice, such as a fit-out or equipment loan, totalled with any home loan for the life amount
- A consulting room lease in your own name, and what may still be owed on it, counted when setting a life amount
- Any default insurance in super from internship, hospital or university roles, each sum added up before any accounts are merged
- Any income your household would lose from private sessions, not only a salary, counted in the life amount
- Endorsement or a move into private rooms, if either lifts your income, as a point to check whether the life amount still fits
- An older life policy from your training years, with its wording compared with newer policies before any replacement
- Anyone who shares a home loan with you, and how much of that debt a life payout would need to clear
- Group life insurance through a university or health service job, checked against your plans before a resignation or move
TPD Insurance
Should you never be able to practise again, how could your longer-term plans still be funded?
Paid when you meet the policy’s definition, a TPD lump sum can help clear debts and keep longer-term plans within reach.
We can read own and any occupation definitions with you against the work you do as a psychologist.
A TPD policy can pay a lump sum if illness or injury means you’re unlikely to work again, under the policy’s own definition. An own occupation test looks at your usual job, while an any occupation test looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and which definitions are offered can depend on the occupation.
What we compare with you on TPD:
- Own occupation wording, if offered, tied to your role as a psychologist rather than to any work you’re suited to
- Research, teaching, management and policy roles a psychology qualification can lead to, and how an any occupation test may weigh them
- The occupation on a policy after a shift from sessions into teaching or research, and whether the insurer needs it updated
- The TPD test in any super from a hospital or university role, read clause by clause before you rely on it in private work
- A TPD sum built from any home loan, any rooms fit-out debt and the household costs of the years ahead
- Income protection for months away from sessions and TPD for a career that can’t resume, sized so each has its own job
- A TPD amount attached to life cover, and what a TPD claim on some policies may leave for the people you name
- Your area of endorsement, if you hold one, and any assessment work, described so a TPD policy records your usual role
Trauma Insurance
If a serious illness meant time away from your caseload, what could help with the costs of treatment?
Trauma insurance can pay a lump sum for a listed condition that meets the policy’s definition and isn’t excluded, helping with costs.
We’ll explain the conditions a trauma policy lists and how a lump sum could sit beside income protection.
A trauma policy lists the serious illnesses and injuries it covers, and can pay a lump sum when one meets the policy’s definition and isn’t excluded. Moneysmart notes that trauma insurance does not cover mental health conditions, and that 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:
- Each listed condition’s medical wording, set out with you, because a trauma claim is assessed against those exact words
- Rooms rent and reception wages while treatment keeps you from clients, weighed with any business expenses cover you hold
- Clients referred to colleagues while you’re treated, and the session income a trauma lump sum may stand in for meanwhile
- Sessions cancelled in the first weeks of treatment, with no paid leave in private work, and whether a trauma payout could help with that stretch
- A partner or relative stepping back from their own work to help during treatment, included in the lump sum you choose
- Supervision and registration costs that continue during treatment, if you keep your registration current, counted in the trauma sum
- A policy bought in your provisional year, its condition list compared with newer wording before any switch
- A trauma lump sum spent on treatment, debts or time off as you choose, since the payout isn’t tied to any one cost
Cover in Super
Between salaried and private work, is any cover in your super still the right fit?
Reading each fund’s cover together shows what you hold, so any changes you make can suit the way you work now.
We can check any cover in your super 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. Premiums reduce your super balance, and Moneysmart suggests checking your insurance before changing super funds or closing an account.
What we check in each fund with you:
- Cover in funds from hospital, school, university or government roles, listed account by account before any are combined
- A fund that still lists you as a hospital or school employee after you’ve started seeing clients in private practice
- Income protection in super from a hospital or government role, its waiting and benefit periods compared with those available outside super
- Super from a casual tutoring or research contract, and whether that fund holds any insurance in your name
- Premiums drawn from each fund you’ve kept from earlier roles, totalled so the yearly cost of cover in super is clear
- A fund opened during an internship or registrar post, kept open until its insurance has been compared with any newer fund
- Which covers suit super and which suit a policy in your own name, since some definitions are generally offered only outside it
- Starting on an ABN in a group practice, and whether self-employment affects insurance terms in each fund, which vary from fund to fund
Salaried, Contracting or Your Own Rooms
As your practice changes between salaried, contracted and private work, how could any cover keep pace?
Reviewing cover at each change can help it match how you’re engaged and the income you now earn.
Together, we’ll look at cover around how you’re engaged, whether that’s a salary, a contract or your own rooms.
When you’re self-employed there’s no paid sick leave, so income protection is one way to plan for time off through illness or injury. On a contract, a business may still have to pay super if you’re paid mainly for your labour, for your personal labour and skills rather than for a result, and you do the work yourself. If a practice contracts with your company, trust or partnership, it doesn’t have to pay super for whoever that entity employs.
What we look at with you as your working arrangement changes:
- Paid sick leave on a salary, the NES minimum of 10 days a year full-time, pro rata part-time, and none for casuals or on an ABN
- Super on a group practice contract, and the three ATO tests that decide whether a practice has to pay it
- Any contributions through your own company or trust, if you contract that way, which no practice pays for you, planned as your own
- Income an insurer may work out from your share of business profits, on policies that measure it that way
- Financial statements and tax returns from private work, gathered as income evidence for an application
- Business expenses cover for rent and any staff wages in your own rooms, which excludes your own pay on some policies
- Workers compensation, generally an employer’s insurance for its workers, and whether a scheme covers you as a contractor, a question for the scheme
- Cover looked at before any practice agreement is signed, with a solicitor reviewing the agreement itself
Applying for Cover
When you answer an insurer’s questions about your work and health, what support could help?
Going through each question together can help give the insurer an accurate picture from the start and keep each step clear.
Together, we’ll work through each question on an application with you before anything is lodged.
Insurers usually ask about your age, job, income and medical history. Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart). The insurer decides on any cover and its terms.
What we go through with you on an application:
- Your client work, the settings you work in and your weekly sessions, described accurately on the application
- Assessments, report writing and any supervision you provide for others, set out alongside your client hours
- Any research, teaching or other non-clinical time, included so the application shows your whole working week
- Any health questions reaching stress and symptoms as well as named conditions, each answered as asked, with reasonable care
- Dates and details from your own health records, gathered with you, where a question asks for them
- Questionnaires some insurers use for particular health topics, worked through with you before each is returned
- Any alternative terms explained, including how long they’re meant to apply and how a review can be asked for later
- An application kept current if your role or hours change before the insurer makes its decision
Making a Claim
If a claim is ever needed, who could gather the paperwork with you?
Having the paperwork gathered and the claim lodged with you can leave more time for yourself and the people close to you.
We’ll lodge a claim with you, gather what the insurer asks for and stay in contact while the insurer assesses it.
If you arranged cover through a financial adviser, Moneysmart suggests speaking to them first. The insurer may ask for medical reports, your work duties, including physical requirements, and the number of hours you work each week, along 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:
- A typical week of sessions, assessments and reports before the illness or injury, written up so the insurer sees your usual role
- Practice fee statements showing your share after the service fee, or accounts from your own rooms, for an income protection claim
- Medical evidence from the clinicians who treat you, with the insurer asking your permission to contact each clinician
- Separate claims on any default cover in super from a hospital, school or university role, each made on that fund’s own forms with you
- Monthly rent and reception wages for your own rooms, listed for the insurer under any business expenses policy
- Ongoing claim forms as you return to a lighter caseload, with any partial benefit a policy pays while sessions rebuild
- Your caseload before you stopped, and any clients referred on, described so the insurer understands the work you stepped away from
- Hospital or school payslips alongside private session invoices for the period before you stopped, if you worked both ways
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your client work: Insurers usually ask about your job when you apply. Client sessions, assessments, report writing, group work and any supervision you provide, and the settings you work in, are worth describing accurately.
- Your sessions and days: Some policies only cover you if you work a minimum number of hours each week. The sessions and days you work are part of the picture, and worth checking again if you drop a day.
- How you’re paid: A salary, a share of fees after a practice’s service fee and private practice income can each be shown differently. Income protection is usually based on the 12 months before an illness or injury, and the policy’s income definition decides what counts.
- A qualification that suits many roles: Psychologists work in direct care and in management, research, advisory and policy roles. An any occupation definition looks at work suited to your education, training or experience, own occupation at your usual job, and which definitions are offered can depend on the occupation.
- Indemnity and your income: Professional indemnity insurance is a registration requirement, there to pay compensation if a successful claim is made against you. It’s a separate thing from cover for your own income, and questions about it go to your indemnity provider.
- Provisional and registrar years: If you’re on the pathway, earnings in these years can sit inside the 12 months a benefit is usually based on. Some policies allow cover to increase after set events, such as completing a postgraduate degree, within a set window, and the insurer decides.
- Moving into private practice: Paid sick leave stops, contributions may stop reaching the fund that holds any cover, and income is shown through business records. If you run your own rooms, business expenses cover is a separate option to look at.
- Leave, a break or fewer days: Parental leave or a break inside the 12 months can change the income a policy looks at. A spell of non-practising registration, or fewer sessions later in your career, can change how your occupation is described, so any cover is worth reading again.
Nothing on this list decides anything by itself, and it isn’t complete. We begin by learning about your situation, 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 Psychology Work, Worked Through Together
Sessions and Duties Described
Client sessions, assessments, report writing and any supervision you provide, set out in full on an application.
Salary and Fee Income Documented
Payslips, fee statements or business accounts gathered with you for an income protection application.
Definitions Read Against Your Qualification
Own and any occupation TPD wording compared for a qualification used across clinical, research and policy work.
Two Kinds of Cover Made Clear
Income protection for your own income explained as a separate thing from indemnity insurance.
Health Questions Gone Through Together
Each question on an application worked through with you before you answer it and anything is lodged.
Cover Read Before Any Move to Private Work
Any cover in each super fund read if you move into contracting or your own rooms.
Cover Revisited as Your Registration Changes
Insured amounts reviewed against what you earn if registration, the registrar program or endorsement changes your role.
A Claim Lodged With You
Reports, duties and income records gathered, the claim lodged with you and followed up with the insurer.
Proactive, Holistic, and Experienced Financial Planning
We begin by listening: to the work you do, how you’re paid and what you’d like any cover to do for you and the people close to you. Each option is explained in plain terms, your questions are answered as they come up, and we move at a pace that suits you. Questions about your health are only asked as far as an application needs them. Our recommendations usually come to you in writing, and the choice to go ahead is yours.
We also share the paperwork with you. With your consent, we can request insurance details from any fund that holds cover for you, gather the income records an application needs and keep in touch with the insurer while it assesses your application. A partner is welcome to join a conversation if you’d like. If a claim is ever needed, we’ll lodge it with you and follow it up until the insurer has made 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 psychology work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
As a psychologist, you might be paid a salary, a share of fees or private practice income, work a full or part week, or be on a training pathway. Each can affect how an insurer assesses an application and how a policy pays, so they’re 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.
They’re separate kinds of cover. Professional indemnity insurance is a registration requirement, there to pay compensation if a successful claim is made against you, and questions about it go to your indemnity provider.
Income protection is about your own income. It can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. Life, TPD and trauma cover each pay a lump sum under their own policy definitions. We can look at these personal covers with you.
They’re two ways a TPD policy can define being unable to work. An own occupation definition looks at whether you can work again in the job you were doing before, while an any occupation definition looks at any job suited to your education, training or experience. Psychologists work in direct care and also in management, research, advisory and policy roles, so how an any occupation test may look at those roles is worth reading closely.
Own occupation cover is usually only available outside super, and which definitions are offered can depend on the occupation. The insurer decides on the cover and terms it offers. We can compare the wording with you.
It depends on the policy. Income protection is usually based on your earnings in the 12 months before an illness or injury, and how a share of fees after a practice’s service fee is treated depends on how the policy defines income. Some policies work out a self-employed person’s income from their share of business profits.
On a salary, payslips usually show your income. On a contract or in your own rooms, tax returns and financial statements usually do, and any company or trust structure is one to plan with your accountant. We can read each policy’s income definition with you before you apply.
Insurers usually ask about your age, job, income and medical history. Some application questions reach stress and symptoms as well as named conditions, so each one is worth answering as asked, with reasonable care. The insurer decides on any cover and its terms.
For a past or current mental health condition, the Life Code commits subscribing insurers to consider higher premiums, exclusions, limits and caps rather than not providing cover at all. We can go through each question with you before anything is lodged.
Free, confidential support is available from Beyond Blue on 1300 22 4636 and Lifeline on 13 11 14.
A few things can change at once. There’s no paid sick leave when you’re self-employed, and moving from employee to self-employed can affect any insurance cover you have through your super, so it’s worth checking with each fund. On a contract, a business may still have to pay super if you’re paid mainly for your labour, for your personal labour and skills rather than for a result, and you do the work yourself. If a practice contracts with your company, trust or partnership, it doesn’t have to pay super for whoever that entity employs.
If you run your own rooms, business expenses cover can be looked at beside income protection. We can review any cover with you before the move.
If you take this path, your earnings during the registrar years can sit inside the 12 months income protection is usually based on, and endorsement can change your role and pay. Some policies let you increase cover after set events, such as completing a postgraduate degree, within a set window, and the insurer decides on any increase.
The occupation and duties recorded on a policy or by your fund may also need updating as your work changes. We can review any cover you hold with you at each stage.
Online quotes and membership offers are a quick way to see prices and features. They usually carry general advice only, which doesn’t take your objectives, financial situation or needs into account.
Personal advice looks first at how you’re paid, whether by salary, fees or both, any cover in super and the costs of any rooms you run. It then weighs policies from a wide range of insurers, and we can set any quote or offer you hold beside those options with you.
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. If you’re provisional, registered or endorsed, salaried or in private practice, we begin with the work you do, how you’re paid and what you’d like protected.
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. If they’re handy, super statements, any policy schedules, recent payslips or fee statements and any practice agreement help us see where you stand. There’s no need to bring medical records to a first conversation. From there, we’ll agree on which cover to look at first.
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