Risk Insurance Advice
Insurance for individuals
The financial safety net your plan deserves.
No matter how well-designed your financial plan is, unexpected illness or injury can derail it. Personal insurance protects your income, your assets, and the people who rely on you. We help you secure the right cover – so your financial future stays intact, even when life doesn’t go to plan.
Why insurance matters
We see insurance not as a cost but as a cornerstone of your financial resilience. Our job is to help you understand what protection you need, structure it effectively, and keep it relevant as your life evolves.
Our advice includes:
- Life insurance
Pays a lump sum to your beneficiaries if you pass away – helping cover debts, living expenses and future plans like education. - Total and permanent disability (TPD) insurance
Provides a lump sum payment if you’re permanently unable to work due to injury or illness. It can help fund lifestyle adjustments, medical care and long-term financial stability. - Trauma insurance (Critical Illness Cover)
Covers you in the event of a serious health diagnosis – such as cancer, heart attack or stroke. It offers immediate financial support so you can focus on recovery. - Income protection
Pays a portion of your income if you can’t work due to illness or injury – keeping your household running and helping you recover without financial pressure.
Who we work with:
- Individuals with income or debt to protect
- Families reliant on one or more incomes
- Professionals building wealth or taking on risk
- Business owners or self-employed individuals without sick leave safety nets
We thought we were covered—but Wealth Architects showed us what we really needed. It was a game-changer.
Client, Brisbane
What you can expect:
- Clear, tailored advice based on your lifestyle and financial commitments
- Help understanding what you’re covered for – and what you’re not
- Regular reviews as your income, debts and life stage evolve
- End-to-end support through policy setup and claims, if needed