Insurance Adviser in Sutherland Shire
Most people only look at insurance forms when a broker slides them across the table or something has already gone wrong. I help clients across the Sutherland Shire and Greater Sydney set up personal cover that fits their income, debts, dependants, and long-term plans.
Not Sure Where to Start with Insurance?
There’s “cover” everywhere – in super, from the bank, bundled into loans – and half the time no one remembers what they signed. In one session, we sort out what you have, what you’re paying for, and what you’d need if life took a bad turn.
Kindly Note: I focus on personal insurances only: life, TPD, income protection and trauma. I don’t handle health, car, home and contents, travel, add-on, or funeral insurance.
What Insurance Advice Do I Offer?
Personal insurance advice helps you choose the right types and amounts, so that your family and income are properly covered without overspending. These are the areas I most often help with:
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Set benefit levels so debts are cleared, kids are provided for, and your partner isn’t forced to sell the family home to stay afloat.
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Structure lump-sum cover to deal with medical costs, adapt living arrangements, and replace income if a serious injury or illness stops you working for good.
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Replace a portion of your income if sickness or injury keeps you off work, with waiting periods and benefit periods set around your job, savings, and household expenses.
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Provide a defined lump sum on diagnosis of major conditions like cancer, heart attack, or stroke, so you can focus on treatment rather than scrambling for cash.
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Decide which policies should sit inside super for cash-flow reasons and which are better held personally for flexibility, tax, and claim outcomes.
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Audit current cover, cut junk or duplicated policies, and improve terms where possible, so you know exactly what would happen at claim time.
Why Do Clients Choose Me for Insurance Advice?
Most people don’t want to become experts in insurance. They just want to know that if something serious happens, the money will turn up and the bills will be paid. Here’s how I approach personal cover:
Strategy Before Product
We start with your numbers (income, debts, kids, super) and work out how much cover you need before looking at any insurer brochures.
Clear Explanations of Fine Print
I explain waiting periods, definitions, exclusions, and premium options in plain English so you know what’s covered, what isn’t, and what that means in real life.
Independent of Insurers
I’m not tied to a bank or a single product provider. Recommendations are based on your situation, not on hitting a sales target, and I’ll tell you frankly if existing cover is fine.
Ongoing Check-Ins
Cover that made sense when the kids were toddlers may be overkill at 60. I review insurance as your income, debts, and goals change, so you’re not stuck with outdated settings.
Client Experiences
Nothing speaks louder than the experiences of people who’ve sat where you’re sitting now.
I’m based in Caringbah, and most of the people I work with live right here in the Sutherland Shire. If you’re nearby, chances are I already have clients in your suburb, which makes it easy to catch up in person when you need to.
What Sutherland Shire Suburbs Do I Serve?
| Alfords Point | Audley | Bangor | Barden Ridge | Bonnet Bay |
| Bundeena | Burraneer | Caringbah | Caringbah South | Caravan Head |
| Como | Como West | Cronulla | Dolans Bay | Engadine |
| Grays Point | Greenhills Beach | Gundamaian | Gymea | Gymea Bay |
| Heathcote | Illawong | Jannali | Kangaroo Point | Kareela |
| Kirrawee | Lilli Pilli | Loftus | Lucas Heights | Maianbar |
| Menai | Miranda | Oyster Bay | Port Hacking | Royal National Park |
| Sandy Point | Sutherland | Sylvania Heights | Sylvania Waters | Taren Point |
| Warumbul | Waterfall | Woolooware | Woronora | Woronora Dam |
| Woronora Heights | Yarrawarrah | Yowie Bay | Kurnell |
If you don’t see your suburb listed, that doesn’t rule you out because I also work with clients across Sydney and the CBD who prefer an advisor close to home in the Shire.
Need Help with Anything Else?
Superannuation
Making the most of your super, from regular contributions through to withdrawals and tax-free pensions so you feel confident at every stage of life.
Transition to Retirement
Structuring your income streams as you ease out of work, while keeping your lifestyle and tax planning on track.
Shares & ETFs
Building and managing portfolios of shares and ETFs, with strategies designed to balance growth potential against sensible risk.
Property Investments
Guiding you on when and how property can play a role in your broader financial plan, including super and tax considerations.
Pensions
Setting up reliable tax-free retirement income streams that give you security today while protecting your financial future.
Aged Care Planning
Supporting families through the complexity of aged care decisions, from costs and entitlements to long-term sustainability.
First Home Buying
Helping younger clients step into the property market with clear strategies on saving, borrowing, and long-term planning.
Ethical Investing
Designing investment strategies that align with your personal values while still focusing on growth and financial outcomes.
Wills & Estate Planning
Ensuring your assets are protected, your wishes are carried out, and your loved ones are supported into the future.
Sort Your Cover Out While You’re Still Healthy
The best time to get insurance right is before there’s a diagnosis, injury, or scare. Medical history, age, and job changes can all affect what cover you can get and what it costs. Don’t wait for “someday”. Lock in suitable cover now, while the choice is still yours.
Insurance Advice FAQs
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I look at your income, debts, dependants, super and existing cover, then map what would happen if you died, were disabled, or couldn’t work. From there, we set the right mix and level of cover, cut junk policies, and structure premiums sensibly around cash flow and tax.
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I focus on personal risk cover: life insurance, total and permanent disability (TPD), income protection, and trauma/critical illness. I don’t handle health, car, home and contents, travel, add-on, or funeral insurance. The goal is to protect income and family, not insure every possible minor inconvenience.
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We run the numbers: loans, kids’ schooling, everyday expenses, partner’s income, existing super and insurance. Then we look at “what if” scenarios and calculate the lump sum needed to clear debt and support the household over time. The result is a figure based on maths, not guesswork.
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TPD pays a lump sum if you’re unlikely to work again under the policy definition. Trauma pays a lump sum on diagnosis of specific major conditions. Income protection replaces a portion of your income while you’re off work. They solve different problems and often work best in combination.
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Holding cover in super can help with affordability, but it can affect claims, tax, and how benefits are paid to family. We decide case by case which policies are better inside or outside super, based on your cash flow, dependants, estate planning, and retirement plans.
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The only commissions I may receive are on certain insurance products, mainly risk cover. Any commission is fully disclosed, and I’ll explain alternatives such as fee-for-service. My advice process starts with your needs and numbers, not a particular insurer’s product list or sales target.
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At minimum, every few years, or when big changes happen: new child, major pay rise, new mortgage, business changes, or health events. Reviews check if sums insured, ownership, and premiums still make sense, or if cover can be reduced, reshaped, or replaced on better terms.
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Group cover in super can change or end when you move funds or employers. Before switching, we check what you’ll lose, what replacement options look like, and whether medical issues could make new cover harder to obtain. In some cases, keeping an old policy is critical.
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Yes, but sequence matters. We usually apply for any new cover first, wait for acceptance, then scale back or cancel old policies. That way you’re never uninsured in the middle. I also check waiting periods, exclusions, and loadings so the “upgrade” is genuinely an improvement.
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Premiums for income protection held personally are usually deductible. Life and TPD generally aren’t, though deductibility can apply at fund level if inside super. Parts of advice fees linked to producing assessable income can sometimes be deducted. I often coordinate with your accountant to confirm treatment.
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Ideally your latest super statements, any existing insurance schedules, mortgage and loan balances, rough household budget, and details of dependants. If you’ve had health issues, key dates and diagnoses help. With that, we can map out realistic scenarios and design the appropriate insurance cover.