While not the first thing one considers in financial planning, insurance is one of the most important factors in preparing for your future.
It's more than just a safety net—it's your peace of mind, knowing that you and your loved ones are protected no matter what life throws your way.
At Aspire2 Wealth Advisers, we get that. We know the significance of having the right insurance as part of your financial strategy. We work with our clients to find the best life insurance policies, as well as income protection insurance, total and permanent disability insurance, and more.
Why is insurance so important
Let’s face it—life can be full of surprises, not all of them pleasant. Without appropriate consideration of the risk of serious illness, disablement or death, the best financial plans can become ineffective in a fleeting moment. By effectively structuring your insurance, you are safeguarding yourself against the uncertainty of tomorrow and preserving your financial future.
Whether it’s affordable life insurance, income protection, or trauma coverage in Australia, having these policies in place can make all the difference:
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Peace of Mind: You won’t have to fret about what happens to your family if something happens to you.
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Income Security: Insurance can keep the income flowing if an illness or injury stops you from working.
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Critical Illness Support: If you’re diagnosed with a severe illness, insurance can help cover the costs so you can focus on getting better.
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Disability Protection: If you can’t work due to a permanent disability, insurance helps cover expenses and supports your family.
These reasons highlight why working with an experienced insurance adviser is so crucial. We’re here to help you navigate these important decisions.
Our insurance solutions
At Aspire2 Wealth, we specialise in a variety of insurance products with designs to protect you and your loved ones:
Life Insurance
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Tailored policies for all ages to ensure yours & your family's financial future
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Affordable life insurance for seniors: We can help find affordable options, even for seniors over 70.
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Benefits of life insurance: Whether it’s paying off your mortgage or providing for your children’s education, affordable life insurance helps protect your family’s future.
Income Protection Insurance
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Best income protection insurance in Australia: We offer coverage that can replace up to 70% of your income if you can’t work.
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Super income protection: Allows you to include income protection within your superannuation, making it tax-effective.
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Income protection coverage: Keeps your income steady if illness or injury forces you to take time off work.
Total and Permanent Disability (TPD) Insurance
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What is TPD insurance? TPD insurance provides a lump sum payment if you’re permanently disabled and unable to work.
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TPD coverage: Helps with expenses and provides ongoing support for your family if you can’t return to work.
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TPD claims: Understanding how to claim TPD insurance is key to getting the support you need when you need it.
Trauma Cover Insurance
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What is trauma cover? Pays out a lump sum if you’re diagnosed with a critical illness like cancer or heart disease.
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Trauma cover details: It helps cover medical expenses and any lifestyle changes you may need to make during recovery.
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Affordable life insurance for seniors: Trauma cover is a smart, affordable way to ensure protection for those over 50.
Why choose Aspire2 Wealth Advisers?
Choosing the right financial advisers will significantly influence how you both build and protect your financial future. At Aspire2 Wealth Advisers, we pride ourselves on being more than just a service provider—we are your partners in navigating the complexities of insurance and financial planning.
Here’s why so many people in Perth trust us with their insurance needs:
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Experience Matters: With over 80 years of combined experience, our team knows how to help you protect your financial future.
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Unbiased Advice: We collaborate with all insurance providers to find the best solution for you, so you can trust our recommendations are in your best interest.
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Comprehensive Support: From life insurance to trauma cover, we offer everything you need to stay protected.
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Ongoing Service: We regularly review your policies to ensure they align with your financial goals.
How we help you choose the best insurance for your needs
Choosing the right insurance policy can feel overwhelming. But it doesn’t have to be.
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Here’s how we aim to make it easier:
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Personalised Insurance Strategies: We start by understanding your financial situation and tailor our recommendations to match your specific needs, whether it's paying off your mortgage or protecting your children's future.
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Wide Range of Providers: We partner with various trusted insurance companies, allowing us to offer you the best policy options based on your age, income, and occupation.
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Affordable Solutions: Our focus is on finding insurance that fits your budget, with particular attention to cost-effective options for seniors. We also help you choose between stepped and level premiums, depending on how long you plan to keep your policy.
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Tax-Efficient Ownership: Our advisers guide you in structuring your insurances to maximise tax benefits, ensuring your policies are set up to minimise taxes and enhance your financial advantages.
Frequently asked questions on life insurance
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What is estate planning?Estate planning is about more than just writing a will. It’s a way to organise your financial affairs so that your assets are protected and distributed according to your wishes after you’re gone. This includes setting up trusts, appointing an Enduring Power of Attorney, and planning for your superannuation.
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Who should I choose as the executor of my will?The executor of your will is responsible for carrying out your wishes and managing your estate. Choose someone you trust—a family member, friend, or professional like a lawyer or financial adviser.
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What’s the difference between estate planning and asset protection?While estate planning focuses on what happens to your assets after you pass away, asset protection is about safeguarding your wealth during your lifetime, such as protecting your assets from lawsuits, creditors, and other potential risks.
What clients say about our financial planners
These clients have agreed to share their story. Everyone’s situation is different, so their choices and outcomes will be different to yours. Consider your circumstances before deciding what’s right for you.
These clients have agreed to share their story. Everyone’s situation is different, so their choices and outcomes will be different to yours. Consider your circumstances before deciding what’s right for you.
Ready to get started? Explore our Perth life insurance options and more with Aspire2
Want to make sure your financial future is secure? Reach out to Aspire2 Wealth Advisers for a free consultation. Our experienced insurance advisers in Perth are ready to help you find the right insurance to protect you and your family.