Insurance and Wealth Protection
Protect what matters
Insurance and wealth protection isn’t simply about protecting your money – it’s about protecting your lifestyle and your family. Our dedicated wealth protection experts will take the time to understand your current circumstances and goals to ensure you have the right cover at every stage.
How can Apt Wealth help?
Our dedicated wealth protection advisers will take a deep look at your insurance needs and advise on the right cover for your circumstances. If you have current policies, whether through your superannuation or outside it, our experts will analyse your policies to ensure you have the right cover.
With Apt, you can be assured that we make recommendations based on your needs not product affiliations.
We can help you with:
Life and Income Protection Insurance
Total Permanent Disability (TPD)
Critical Illness
Book a chat with an adviser
Our focus is on delivering financial advice that allows us to become your personal CFO. Your finances will be tailored to your needs, allowing you to concentrate on living the life you want. We’re privately owned and focus on providing the most transparent advice possible.
Insurance and Wealth Protection FAQs
Is the insurance in my superannuation enough?
While most of us do have insurance included in our super, the reality is that many of us have not looked at our policies and simply aren’t aware of what we are covered (or not covered!) for.
Do I need income protection insurance?
When planning finances and how to achieve financial independence, one of the biggest mistakes Australians make is assuming that they will have a healthy income over the course of their working life. But life is unpredictable, so what happens when injury or illness gets in the way? If you aren’t prepared, all your financial plans will go out the window.
How much insurance do I need?
The amount of personal income and life insurance you need depends on several personal and financial factors. While 10-15 times your income is often stated as the general rule of thumb, it’s best to get personalised advice to make sure you and your loved ones have the cover you need.
Which income protection insurance is the best?
When it comes to insurance, we’ve all heard those ‘horror’ stories of claims not being paid, leaving the beneficiary in the lurch at an already difficult time. It’s a ubiquitous concern and a question our advisers are frequently asked. So, we put the question to Apt Wealth Risk Specialists.
Apt in Action
Trauma cover buys otherwise unaffordable treatment for Laura
After being diagnosed with cancer, Laura’s life was turned upside down. However, her trauma cover was there to support her. Receiving a fast payout on her claim, Laura was able to approach her doctors to ask what else was out there because money wasn’t an issue. As a result, she was able to access a trial treatment that would have been out of reach at $88,000 per cycle, if it weren’t for her insurance.
Insurance and Wealth Protection Resources
Ask an Adviser: Which life and personal income insurers are the best at paying claims?
Adam Spilsted
Jan 11, 2023
When it comes to insurance, we've all heard those 'horror' stories of claims not being paid, leaving the beneficiary in the lurch at an already difficult time. It's a ubiquitous...
Read more
Why it’s critical to ensure your adult children have the right insurance in place
Adam Spilsted
Dec 06, 2022
Underinsurance is a very real problem in Australia today, and it’s more prevalent amongst younger Australians. It’s not uncommon for people in their 20s, 30s, or even 40s to believe...
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Personal insurance: The 3 questions everyone should be asking
Adam Spilsted
Aug 25, 2022
It’s easy to see personal insurance as an unnecessary expense until you need it. However, an estimated 96% of Australians are underinsured when it comes to life insurance, which is...
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