Personal Insurance

Protect What Matters Most

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Overview

Personal insurance is about preparing for life’s unexpected events—so you and your family aren’t left vulnerable if something goes wrong. It’s not about fear or worst-case scenarios. It’s about putting the right protection in place so that illness, injury, or even death doesn’t cause financial hardship.

At JustAdvice Financial Planning, we help you understand your insurance options, what cover you actually need (and what you don’t), and how to structure your policies so they’re effective and affordable. No pressure. No commissions. Just honest, practical advice that puts your interests first.

What Is Personal Insurance?

Personal insurance provides a financial safety net if you can’t work or provide for your loved ones due to illness, injury, or death. There are several types of cover to consider:

  • Life Insurance – Pays a lump sum to your family or estate if you pass away.
  • Total and Permanent Disability (TPD) Insurance – Covers you if you’re permanently unable to work again due to disability.
  • Income Protection – Replaces a portion of your income if you’re unable to work for a period due to injury or illness.
  • Trauma Insurance (Critical Illness) – Pays a lump sum if you’re diagnosed with a serious medical condition like cancer, stroke, or heart attack.

Each type of cover serves a different purpose and can be tailored to your needs, goals, and budget.

Who Needs Insurance Advice?

Personal insurance can benefit a wide range of people—not just those with families or mortgages. You may need insurance if:

  • You have children or dependants who rely on your income
  • You’re paying off a mortgage or personal debts
  • You run a small business or work for yourself
  • You rely on your ability to earn an income to maintain your lifestyle
  • You want to avoid burdening your family with financial stress if something happens to you
  • You’re unsure what cover you already have through your super (and whether it’s enough)

We also help people who already have insurance but aren’t sure if it still suits their situation.

How We Help

Our role is to help you understand what protection you really need—based on your life, your obligations, and your goals.

  1. We Start With a Conversation
    We learn about your income, lifestyle, family responsibilities, and financial commitments. This helps us identify your financial risks if your ability to earn or live normally is interrupted.
  2. Review Your Existing Cover
    We look at any insurance you already have—especially through superannuation—to check if it’s appropriate and cost-effective.
  3. Recommend the Right Cover
    We explain your options in plain language, recommend suitable levels of cover, and help you understand the cost and conditions of each policy. You’re never pressured to buy anything.
  4. Set It Up Right
    If you choose to go ahead, we’ll help set up your cover—whether inside or outside super—so that it works for your needs and is as tax-effective as possible.
  5. Ongoing Reviews (Optional)
    Life changes, and your insurance should change with it. We offer regular check-ins or one-off reviews to help you stay covered appropriately as things evolve.

We’re fee-for-advice and don’t receive commissions from insurance providers, so our recommendations are always in your best interest.

Why It’s Worth Having the Right Cover

Having the right personal insurance in place can mean:

  • Your family won’t be left struggling if you pass away
  • You can continue to pay your bills and mortgage if you can’t work
  • You’ll have financial support through serious illness or injury
  • You can recover or adapt your life without added money stress
  • You’ll have peace of mind, knowing you’ve done the responsible thing

FAQs

Let's chat

If you’re unsure about your current cover—or don’t have any at all—it’s worth having the conversation.

Book a free chat today to take the stress out of personal insurance.

Book Appointment
0423 052 707