Risk Protection

Protect what matters most.

How would your family cope if you died suddenly or faced a serious illness or injury? It’s not an easy thing to think about – but a little planning now can give you and your family real financial security if life takes an unexpected turn. Personal insurance provides protection if you can no longer earn an income due to illness, injury, permanent disablement or death.

Why personal insurance matters

Sickness and injury can strike anyone

You only need to know one person it's happened to in order to understand it can, and does, happen.

Your income is your biggest asset

Without it, even short periods off work can put real pressure on the family budget.

The right cover brings peace of mind

Knowing your family is financially protected lets you focus on recovery - or on living.

Our role in protecting your future

The right cover varies according to your personal needs, your family situation and your stage of life. We take the time to understand all of these, then recommend personal insurance that genuinely fits – with no bias toward any product provider, and no pressure to over-insure. We’ll review your cover regularly so it keeps pace with the things that change in your life.

Types of Personal Insurance

Life Insurance

A lump sum benefit paid on death or terminal illness, typically used to cover liabilities and provide ongoing income for dependents.

Total and Permanent Disability (TPD)

A lump sum if injury or illness prevents you from ever returning to work.

Trauma (Critical Illness)

A lump sum on diagnosis of a serious illness or injury defined in the policy.

Income Protection

Replaces up to 75% of your gross income if you’re unable to work due to illness or injury.

Find the Right Cover

Our team will contact you within 1–2 business days.

Connect Financial Planning Services is a Corporate Authorised Representative (No. 1263442) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.

"The right cover isn't about expecting the worst - it's about being ready for it."