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There are two main requirements to financial independence - wealth creation and wealth protection.

Our professional insurance team is experienced in determining the right level of cover and the right insurers when it comes to specialist insurance advice for our clients.

Asset protection

We can help you with a range of insurance options including:

  • Death cover
  • Total and permanent disablement (TPD) cover
  • Critical illnesses/Trauma cover
  • Income Protection cover

What level of cover should you choose?

Personal insurance comes in different forms. Our specialised insurance team will help you determine the right level of cover and the right insurer based on your individual circumstances.

Our approach to insurance and asset protection

Needs Analysis

First, we will complete a full Insurance Needs Analysis with you. This allows us to determine how much cover is required to cover your debts and significant medical expenses, and provide ongoing income to dependant family members. We can allow for other requirements, such as funding private school fees for children in the event of death or disability.

Extensive Product Research

We complete extensive research and provide a full comparison to ensure you have a comprehensive understanding of your existing cover and other covers available. This means you can make considered and informed choices.

Pre-Assessments

Walshs offers a thorough and comprehensive pre-assessment process. We provide anonymous and confidential information regarding medical issues or hazardous pastimes to a range of underwriters. These underwriters then provide feedback regarding possible underwriting concerns and outcomes before lodging an official insurance application. This allows us to determine the most suitable insurance product for your personal situation and minimise time spent applying with multiple insurers.

Tax Effectiveness

We determine the most appropriate ownership structure for your insurance and how to benefit from tax deductions.

Will I be covered?

One of the biggest concerns we hear about income protection is whether your policy will pay out should you suddenly pass away or become sick or injured. Direct and group policies can have a wide range of blanket exclusions that are easily overlooked when you directly purchase your insurance.

Engaging an adviser or insurance broker can ensure you are better informed about the circumstances your insurance policy covers. APRA data shows that retail policies purchased via an adviser or insurance broker generally offer a higher claim admittance rate (96%) than policies purchased directly (88%). This could be attributed to a better understanding of the policies' limitations and access to income protection policies that properly fit the client's needs.

Want to know more?

If you have any questions about how we can help you with insurance or asset protection, book a complimentary meeting at a time that suits you.

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