Protect your income, your family, and the plan you are building.
Life changes quickly. Personal insurance advice helps you protect your income, your family, and your long-term plan if illness, injury, disability, or death affects your household. We help you understand what cover is appropriate, how much you actually need, and how it fits the rest of your wealth strategy.
- Authorised Rep, Count Financial (AFSL 227232)
- Advice across life, income protection, TPD, and trauma
- Cover reviewed inside and outside super
General information only: the information on this page is general in nature and does not constitute personal financial product advice. Before acting on any information, please consider your objectives, financial situation and needs, read our Financial Services Guide (FSG), and obtain personal advice tailored to your circumstances.
Advice on this page is provided by Benjamin Venter, Authorised Representative No. 338460of Count Financial Limited (AFSL 227232), listed on ASIC's Financial Advisers Register. Page last reviewed .
The wrong cover is a false sense of security.
- Your income is probably your largest asset, yet there is no plan for the household if illness or injury stops you working.
- You are relying on default cover inside super without knowing what it excludes or whether the amount is anywhere near enough.
- Old policies have never been reviewed against your current mortgage, family, business, or affordability.
- You suspect you are either underinsured or paying for cover you no longer need, but no one has run the numbers.
- Insurance should not be guesswork. We review your risks, your existing cover, and your structure, then help you make informed decisions about the protection that suits your life and your financial plan.
Cover that fits your unique situation.
Personal insurance is not a single product. We help you understand which types of cover are relevant, how they should be structured, and how the premiums fit your wider financial position.
Life insurance
A lump sum for your beneficiaries if you pass away or are diagnosed with a terminal illness, sized to clear debt and support your family.
Income protection
Replaces a portion of your income if illness or injury keeps you from working, with advice on waiting periods, benefit periods, and definitions.
Total and permanent disability
A lump sum if you become permanently unable to work in your usual or a suitable occupation, structured to suit your circumstances.
Trauma cover
A lump sum on diagnosis of a specified serious condition such as cancer, heart attack, or stroke, giving you choice during recovery.
Cover inside superannuation
Review what your super-based insurance covers, what it excludes, the tax and claim rules, and whether it is enough on its own.
Ownership and beneficiaries
Advice on policy ownership, beneficiaries, and structure so proceeds reach the right people in the most effective way.
Gap and overlap analysis
Identify cover gaps, duplicated policies, and outdated arrangements so you are protected without paying for cover twice.
Affordability and premium structure
Balance the level of cover against premium affordability so the protection remains sustainable as your circumstances change.
From first conversation to cover in place, without the pressure.
- 01
Discovery
We talk through your income, family, debts, business interests, health, and what you want protected if life does not go to plan.
- 02
Review and analysis
We assess your existing cover, including insurance held through super, and model how much protection your situation calls for.
- 03
Recommendation
You receive clear, written advice on the types and levels of cover, how they should be structured, and what each option costs.
- 04
Implementation and review
We help put the cover in place and review it as your income, family, mortgage, and goals change over time.
Advice that protects choices, not just policies.
- Licensed personal advice
- Insurance recommendations are provided as an Authorised Representative of Count Financial (AFSL 227232), under proper personal advice standards.
- Tied to your wider plan
- Cover is considered alongside your investments, superannuation, debt, and retirement plan, not sold in isolation from the rest of your strategy.
- Right-sized, not over-sold
- We model what your situation actually needs, so you are not underinsured and not paying for cover that does not earn its premium.
- Reviewed as life changes
- Marriage, children, a new mortgage, a business, or approaching retirement all change your needs. We revisit your cover as those shifts happen.
Questions we hear most often.
Have a question that is not here? Call 07 3399 2300 or book a consultation and we will answer it directly.
What is personal insurance advice?
Personal insurance advice helps you understand which types and levels of cover suit your situation. It can include life insurance, income protection, total and permanent disability cover, trauma cover, and insurance held through superannuation, structured to fit your wider financial plan.
How much life insurance do I actually need?
It depends on your income, debts, family needs, future expenses such as education, your existing assets, and your long-term goals. We model your situation to estimate a suitable level of cover rather than relying on a generic rule of thumb.
Can I hold insurance through my superannuation?
Yes, some personal insurance can be held through super. There are limits, exclusions, tax considerations, and claim payment rules to understand before relying on super-based cover, and we review those as part of the advice.
What does income protection insurance do?
Income protection can replace a portion of your income if you are unable to work due to illness or injury. Policy terms vary, including waiting periods, benefit periods, and how income is defined, so the right structure matters.
Should I review my old policies?
Yes. Older policies may no longer match your income, debts, family situation, health, or goals. A review can identify gaps, overlaps, outdated cover, or affordability issues before you ever need to claim.
Is personal insurance only for families?
No. It can be just as important for singles, professionals, business owners, and homeowners. Anyone whose financial position depends on their ability to earn an income may benefit from suitable cover.
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ExploreTwo corporate entities, one office, clear regulation.
Download Financial Services Guide (PDF)EEA Advisory (Altias Brisbane Pty Ltd) ABN 77 646 161 417 is a registered tax agent 26081500 and a member of Chartered Accountants Australia and New Zealand (CA ANZ). Altias Brisbane Pty Ltd is not authorised to provide financial advice. For financial advice and related services, please speak to an authorised representative at EEA Advisory.
EEA Advisory (Altias Private Wealth Pty Ltd) ABN 91 649 047 585 is an authorised representative of Count Financial Limited ABN 19 001 974 625, holder of Australian Financial Services Licence No. 227232. Count Financial Limited is a subsidiary of Count Limited ABN 11 126 990 832, which is listed on the Australian Securities Exchange.
The information on this website is general information only and does not constitute financial product advice. Please refer to our Privacy Policy, Complaints Handling Process, Count Privacy Policy, and Count Complaints Policy.
Let us build a personal insurance plan that fits your life.
Get clear on the cover you have, the risks worth protecting against, and the strategy that supports your family, income, and financial plan. Book a consultation to start the conversation.