Life Insurance and Income Protection for Truck Drivers
Income Protection for Truck Drivers and Their Families
Your driving and the work around it, how you’re employed or contracted, and any cover through work and super all shape your cover. We can help you compare cover, check what you hold and lodge a claim with you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Describe your driving and the work around it, from loading to securing freight, accurately on a cover application
- Show a per-kilometre or hourly driving rate, with any allowances rolled in, on an income protection application
- Weigh income protection waiting periods against short spells when you can’t lawfully drive
- Find out whether a policy offers own occupation TPD for driving work, and read any occupation wording against your experience
- Map any cover through an employer, a carrier and every super fund you hold
- Look at income protection and business expenses cover as separate pieces before you go out as an owner-driver
- Work out life and TPD amounts from household debts and any truck finance you’re personally liable for
- Explain where new trauma cover, paid for outside super, could help with treatment costs and time off the road
- Check the occupation each super fund records for you after a move into dispatch, depot or training work
- Lodge a claim with you, backed by run sheets, payslips or a work diary, and follow it up with the insurer
Who We Help
- Metro and regional drivers on day runs in rigids, vans or prime movers
- Linehaul drivers sleeping in the cab or away from home on interstate work
- Tanker and dangerous goods drivers carrying fuel, chemicals or other placarded loads
- Livestock and tipper drivers whose day includes loading, climbing and securing loads
- Tow and car carrier drivers loading vehicles on and off the deck
- Owner-drivers contracting a truck on an ABN, in a partnership or through a company
- Couriers and delivery drivers in vans and light trucks, including work through an app
- Drivers moving off the road into dispatch, depot, allocation or driver training roles
- Partners of drivers who would like cover of their own
What we advise on
How Each Cover Works Around Truck Driving
Income Protection
Between runs and rest days, what would replace your driving pay if an illness or injury kept you out of the cab?
Income protection can pay part of your income after a waiting period, so bills can still be met while you recover.
We’ll compare income protection with you around how your driving is paid and how your weeks on the road run.
Income protection can pay part of your income after a waiting period if illness or injury stops you working, usually based on your earnings in the 12 months before the illness or injury. Waiting periods can run from 14 days to two years, and you must still be unable to work, as the policy defines it, at the end of the waiting period. Benefits can be paid for a set number of years or to an age.
What we work through with you on income protection:
- A per-kilometre or hourly driving rate with allowances built in, read against each policy’s definition of income
- Any freight peaks and slow seasons on your runs, set out for the insurer as part of the earnings it assesses
- Days kept out of the cab, carried by any leave or savings while the chosen wait runs its course
- Linehaul weeks, local weeks and any drop in time behind the wheel, set beside a policy’s weekly hours test
- Carrier sick pay or scheme payments during time off, and how some policies count them against a benefit
- Shorter local runs or a lighter truck once you’re back driving, and any partial benefit a policy may pay
- Income protection that came with a transport job’s fund, if any, read for how it treats driving work
- Premiums on a policy held personally, with any deduction for a driver checked by an accountant at tax time
Life Insurance
If anyone at home relies on the money your driving brings in, what would you want in place for them?
Lump sum life cover can go to your beneficiaries for any loans, household bills and the goals you’re working towards.
We’ll size life cover with you from the debts, bills and any truck finance your household carries.
Life cover can pay a lump sum to your beneficiaries if you pass away, and some policies also pay on a terminal illness diagnosis. Insurers usually ask about your age and job when you apply. Where life and TPD cover are packaged together, a TPD payout may reduce the life cover, and where no beneficiary is named, your estate or the super trustee may decide where the money goes.
What we work through for life cover:
- Any mortgage, rent, school fees or other bills your driving pay meets, totalled for a life cover amount
- Any truck finance you’re personally liable for, counted in the amount, with lending questions left to a broker
- Any death cover left in default funds from former carriers or depots, traced and counted in the total
- Life cover held outside super, which a driver can keep separate from any transport employer’s fund
- A bundled life and TPD policy, where a TPD payment for a driver who can’t return may lower the death benefit
- Long-haul runs, dangerous goods or tow work, described plainly when a life insurer asks what your job involves
- A partner’s own policy, if the household depends on a second wage as well as your driving pay
- The amount reviewed at a first truck, a new home or a move off the road into depot work
TPD Insurance
Once driving and every other kind of work were behind you for good, how would the years ahead be funded?
TPD cover can pay a lump sum, as each policy defines total and permanent disability, towards debts and future costs.
Together, we’ll read each TPD definition against a working life built on driving and the other work your experience could suit.
TPD cover can pay a lump sum if illness or injury leaves you unlikely to work again, as the policy defines it. An own occupation definition looks at your usual job, while an any occupation definition looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation.
What we compare with you for TPD:
- Whether a policy offers an own occupation definition for driving heavy vehicles, set beside any occupation wording
- Any time on dispatch, allocation or driver training, and how an any occupation test may weigh such experience
- A change in the medical standard for any heavy vehicle licence you hold, read against each TPD definition
- Any default fund from a transport job, with its disability clauses read beside your other cover before any accounts merge
- A job title change from driver to dispatcher or trainer, passed on so each fund’s occupation record stays right
- TPD and death cover bundled in one fund, where a disability payment may lower what’s left for your beneficiaries
- A TPD amount worked out from debts, household costs and any truck finance you carry personally
- Income protection for a long recovery and TPD for leaving the cab for good, planned as two separate layers
Trauma Insurance
After a major illness is diagnosed, what would help with treatment costs and the time you spend off the road?
A trauma policy can pay a lump sum when a listed condition meets the policy’s definition and isn’t excluded.
We can read what a trauma policy lists with you, and how a lump sum would sit beside income protection.
A trauma policy can pay a lump sum for the critical illnesses or serious injuries it lists, when one meets its definition and isn’t excluded. Medical definitions can be different between insurers, and trauma insurance doesn’t cover mental health conditions. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- Medical wording for each listed condition, laid out insurer by insurer so a driver can weigh the differences
- Early-stage events that some trauma lists pay a smaller amount for, and the weeks off the road such a payment could fund
- Money for any trauma premium coming from your driving wages or business, since a fund can’t hold new trauma cover
- A trauma payment, which may arrive while an income protection wait is still running and you’re off the road
- Trauma combined with death cover, where on some policies a paid trauma benefit shrinks the amount left
- An owner-driver with no sick leave to draw on, and the time off a trauma payment could help fund
- Weeks away from the wheel after treatment, and the bills a lump sum could carry in the meantime
- Any tax angle on a trauma premium or benefit, which your accountant confirms for an owner-driver or employee
Cover in Super
Has the cover inside any super fund kept pace with the driving work you do today?
Checking each fund’s insurance together can show what you hold and what still suits your work.
We’ll start with the cover in each fund, then set out any change in a financial plan, or Statement of Advice.
Most super funds give eligible members life and TPD cover automatically, and some also give income protection, for a set amount. Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. If a fund has classified your job incorrectly, Moneysmart suggests contacting the fund.
What we look at in your super with you:
- Any funds opened through a carrier, depot or courier job, with the cover in every account listed together
- Your recorded occupation, so each fund holds an accurate description of the trucks or vans you drive
- Drivers under 25, who can ask a fund for cover it wouldn’t otherwise give automatically
- A fund joined through a new transport employer, weighed against any insurance already in your existing account
- Default cover limits in super, weighed against debts such as any truck finance or a home loan
- A trucking job’s default cover set against a separate policy outside super, comparing who controls each one
- Insurance through super checked before a switch from wages to an owner-driver contract, as Moneysmart suggests
- Any accounts left behind by casual or seasonal driving work, merged only after the insurance in each is compared
Fit to Drive and Time Off the Road
From a sick day to a long recovery, how could savings and cover work together for each stretch away from the wheel?
Matching leave, savings and cover to short and longer spells off the road can give each one a plan.
We can look at your leave, savings and cover with you against short spells, longer ones and a permanent change.
From 1 August 2026, where the Heavy Vehicle National Law applies, a driver must not drive a heavy vehicle while unfit to do so. The national regulator’s guidance says that can include a temporary illness or injury. Income protection can pay only after its waiting period, on the policy’s definition of disability, so a short spell may end before any payment starts. Your doctor advises on fitness to drive, and the insurer decides on cover.
What we plan with you for time off the road:
- Short spells off the road, planned around any paid leave or savings you can draw on first
- Leave balances and savings, counted before you choose a waiting period on any income protection
- Income protection for a longer spell away from driving, assessed on the policy’s own definition of disability
- A permanent move away from driving, with TPD definitions read for the other work your experience could suit
- A return to local runs or lighter loads, and any partial benefit a policy offers for reduced hours
- Payslips, run sheets and any work diary you use, kept as a record of the hours you drive
- Days off under the unfit-to-drive duty, set against the waiting period you choose when you apply
- A household budget for time away from the wheel, with regular bills planned before any break happens
Owner-Drivers, Contractors and Delivery Work
Working for yourself, what would keep part of your income coming in, and the business’s fixed costs met, if you couldn’t drive?
Personal income and business costs can be looked at as two separate pieces of cover, each with its own terms.
Together, we’ll set out personal cover and business costs as separate pieces, before or soon after you start on your own.
Hirers don’t generally cover contractors for paid sick leave or workers compensation. A business may still have to pay your super if the contract is mainly for your labour, paid for your personal labour and skills rather than for a result, and can’t be delegated, but not when it contracts with your company, trust or partnership. Business expenses cover is separate from income protection and can pay eligible fixed costs as the policy defines them.
What we set out with you when you work for yourself:
- Income protection for your personal income, set apart from what the truck and the business cost to run
- Business expenses cover, a separate cover for eligible fixed business costs as the policy defines them
- Business accounts and tax returns, kept ready for an application and for any claim later on
- A first year on your own with little trading history, and how an application shows your income
- Who owns any policy when you trade through a company, with the structure set with your accountant
- Super on any contract, with your position under the ATO’s three-part test confirmed by your accountant
- Sick leave and workers compensation, which hirers don’t generally give contractors, planned for with personal cover
- Truck, load and public liability insurance, left with a general insurance broker who can advise on it
Making a Claim
Should you ever need to claim, who could sit beside you with the forms and the follow-up?
Having help with the paperwork and the follow-up can leave you more time for your recovery and the people close to you.
We’ll lodge any claim with you, then keep in touch with the insurer or fund while it assesses the claim.
Moneysmart suggests speaking first to whoever you arranged the cover through, and to your employer for cover through an employment arrangement. An insurer can ask for medical reports, details of 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 if it isn’t resolved.
How we help with a claim:
- Kilometres, loads and shifts before the time off, shown so the insurer can see what your driving income was
- Driving and non-driving duties, from loading to climbing on the trailer, set out for the insurer as they are
- Hours shown from payslips, run sheets or any work diary you keep for your driving
- Your doctor’s view on whether you can drive, which the insurer will ask your consent to obtain
- Loading-dock or depot injuries, where workers compensation sits with the scheme and we help with any personal policy
- Carrier sick pay or scheme payments during the claim, disclosed so the insurer can apply any offset its terms set
- Lighter local runs during a claim, reported to the insurer along with any change in kilometres or hours
- Contact with the insurer handled around your hours, so calls and forms fit between runs or during recovery
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- The work around the driving: Insurers usually ask about your job when you apply. For a driver that can include loading, unloading, securing loads and climbing on the truck or trailer, plus any livestock, tanker or tow work, so the whole job is part of describing it accurately.
- Your runs and hours: Local, short-haul and long-haul work can look quite different, including any nights away. Some policies only cover you if you work a minimum number of hours each week, so how your hours fall is worth setting out, and checking again if they drop.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. A per-kilometre or hourly rate can have allowances built in, and each policy’s definition of income decides what counts.
- Your licence and fitness to drive: Where the Heavy Vehicle National Law applies, a driver must not drive a heavy vehicle while unfit to do so, including because of a temporary illness or injury. A heavy vehicle licence also carries a higher medical standard than a car licence. Each is a different test from a policy’s definition of disability.
- Cover through work and super: Any cover through an employer relies on that job, so what happens to it when you change jobs is a question for the employer. Default cover in super runs on each fund’s own terms.
- Going out as an owner-driver: Hirers don’t generally cover contractors for paid sick leave or workers compensation. Whether a business pays your super depends on the contract, and your personal income and the business’s fixed costs are separate pieces of cover.
- Delivery and app-based work: If a delivery or app platform arranges any cover for the people working through it, the platform or its insurer explains that cover. Any income protection is separate personal cover, whether it’s held in your name, through super or by an entity.
- Time off and workers compensation: Workers compensation is for an employee’s work-related injury or illness, if you’re eligible. Some income protection policies may reduce payments by any workers compensation or sick leave paid at the same time, so the two are worth reading together.
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 Truck Driving, Worked Through Together
Your Driving Work Set Out for an Application
Driving, loading, securing loads and your weekly hours, described accurately for an insurer.
Cover From Work and Super Mapped
Any cover through an employer, a carrier or any super fund you hold, listed with what each is tied to.
Your Driving Rate Set Out for Income Protection
Your driving rate and any allowances, read against each policy’s definition of income.
Waiting Periods Weighed Against Time Off the Road
A waiting period compared with any leave or savings that would carry a short spell away from driving.
TPD Definitions Weighed for a Driving Career
Whether own occupation is offered for driving work, and any occupation wording read against the other work you could do.
Personal and Business Cover Looked At Before Owner-Driving
Income protection and business expenses cover, set out as separate pieces before you start contracting.
Beneficiary Nominations Kept Up to Date
Nominations in each super fund and on any policy outside super, looked at together.
Claim Paperwork Lodged With You
Duties, hours and records gathered, and a claim lodged with you while the insurer assesses it.
Proactive, Holistic, and Experienced Financial Planning
Good advice starts with how your working week actually runs. We begin by listening to the runs you do, the hours you keep, how you’re paid and what you’d want your cover to do for you and anyone at home. Then we explain each option in plain words, take your questions as they come and work at a pace that fits around your time on the road. Our recommendations usually come to you in writing, and every decision stays yours.
Between conversations, we take on the legwork. With your consent, we can request details from any fund or insurer that holds cover for you, gather the payslips or business accounts an application needs and follow up anything outstanding. You can bring a partner or family member to any meeting. If you ever need to claim, we’ll lodge it with you and keep you posted until the insurer reaches its decision.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your driving work, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Driving for a living can mean long or irregular hours, nights away, loading and securing freight as well as driving, and work as an employee, an owner-driver or through an app. Each can affect how an insurer assesses an application and how a policy pays, so we look at the whole job, not only the time behind the wheel.
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.
From 1 August 2026, where the Heavy Vehicle National Law applies, a driver must not drive a heavy vehicle while unfit to do so. A short illness or injury can mean a few days or weeks out of the cab.
Income protection can pay part of your income after a waiting period, if you’re still unable to work as the policy defines it when that period ends. Waiting periods can run from 14 days to two years, and you choose one when you apply, so a short spell may be over before any payment would start. Any paid leave or savings can carry those first weeks, and we can weigh a waiting period against them.
That comes down to how the policy defines total and permanent disability. An own occupation definition looks at whether you can do your usual job. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation. An any occupation definition looks at any job suited to your education, training or experience, which for a driver may take in any dispatch, allocation or training work you’ve done.
The insurer assesses each claim against its own definition. We can compare the TPD definitions in each super fund and any policy outside super with you, and set out how each one is worded for someone whose experience reaches beyond driving.
Describe the whole job as it is: your runs and hours, any nights away, the loads you carry, and any loading, unloading, securing or climbing on the truck or trailer. 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). We can go through each question with you before you answer, and the insurer decides whether to offer cover and on what terms.
They’re separate pieces. Income protection can pay part of your personal income after a waiting period if illness or injury stops you working. Business expenses cover is a separate cover that can pay eligible fixed costs of the business, as the policy defines them.
Hirers don’t generally cover contractors for paid sick leave or workers compensation, so both pieces are worth planning early. At claim time, an insurer can ask for financial statements if you’re self-employed. Cover for the truck itself, its load and public liability is general insurance, which a general insurance broker can advise on. We can compare income protection and business expenses cover with you.
If the platform you deliver through arranges any cover for you, the platform or its insurer can explain what that cover includes.
Income protection is separate personal cover. It can pay part of your income after a waiting period if illness or injury stops you working, subject to the policy’s terms. Insurers usually ask about your job, so your delivery work, the vehicle you use, your weekly hours and any other work you do are part of an application. We can compare income protection with you, and the insurer decides whether to offer cover and on what terms.
A quick online quote is built from a fixed set of questions, and comparison sites and direct insurers generally provide general advice only, which doesn’t consider your personal circumstances. Those questions may not reach a per-kilometre rate with allowances rolled in, nights away on linehaul, the loading and climbing around the driving, or the gap between an owner-driver’s personal income and the business’s running costs.
Personal advice looks at all of that, along with any cover through an employer or super, and compares policies from a wide range of insurers. The insurer decides whether to offer cover and on what terms.
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 do local runs or linehaul, drive your own truck or deliver through an app, we begin with how you drive and get paid, any cover you already have 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. A recent payslip or your contract, business accounts or a tax return if you work for yourself, each fund statement and any employer or policy documents are useful to have on hand, and together we’ll agree on a practical next step.
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