Wealth Protection & Insurance
If You Couldn't Work Tomorrow, Would Your Family Be Okay?
Your income is the foundation of everything you’re building. Track Wealth makes sure that if something goes wrong illness, injury, or worse your family, your mortgage, and your retirement plan don’t fall apart with it.
Sound familiar?
If I died tomorrow, I'd want my family to be completely taken care of. I'm just not sure they would be.
I've had the same insurance policy for years and never reviewed it I honestly don't know if it's still right for me.
I feel like I'm paying too much for cover I don't fully understand but I don't know what to change.
The Right Cover. At the Right Cost. Built Into Your Strategy.
Anyone can sell you an insurance policy. Track Wealth does something different we look at your full financial picture first, then work out exactly what cover you need, what you don’t, and how to structure it in the most cost-effective way possible. Most clients come to us either over-insured in the wrong areas, under-insured where it matters, or paying premiums that haven’t been reviewed in years. We fix all three.
And because insurance doesn’t exist in isolation, we build your protection strategy around your income, your super, your debts, and your dependants so everything works together.
- Income protection if you're unable to work
- Life insurance for your family's financial future
- Total and permanent disability cover
- Trauma insurance on serious illness diagnosis
- Structured for tax effectiveness
Protection Advice That Covers Every Angle
Income Protection
Life Insurance
Total & Permanent Disability
Trauma Insurance
Call Us Today to Schedule a Free Consultation
How We Approach Wealth Protection
Understand What You Have
We start by reviewing your existing policies what’s covered, what it costs, and whether it’s structured as tax-effectively as possible. Most clients are surprised by what we find.
Identify the Gaps
We assess what you actually need based on your income, your debts, your dependents, and your retirement timeline and identify where you’re exposed.
Build the Right Strategy
We recommend the right level of cover across the right products structured to protect what matters without paying for what doesn’t. Every recommendation is explained clearly before anything is implemented.
Review as Life Changes
For our ongoing clients, as your life evolves, whether your wealth grows, income increases, or costs rise, we’ll regularly review your cover to ensure it remains appropriate for your circumstances.
Find Out If Your Cover Is Actually Doing Its Job
Most people haven’t reviewed their insurance in years. In one conversation, we can tell you exactly where you stand and what it would cost to fix it.
You Earn Well and Everything Your Family Has Depends on That Income Continuing
For high-income professionals, the financial consequences of losing your income even temporarily are significant. A month without income is manageable. Six months is a different conversation entirely.
Most people in this position have some cover in place. The question is whether it’s the right cover, at the right level, structured the right way. We work with high-income earners to make sure the answer is yes.
- Income protection matched to your actual salary and lifestyle costs
- Cover that accounts for business expenses and fixed financial commitments
- Tax-effective premium structuring inside or outside super
- A clear understanding of exactly what you're covered for and when it pays
You're a Business Owner and Your Income Doesn't Come With Sick Leave
If you run a business, losing your ability to work doesn’t just affect your personal income it can affect the business itself. Staff, clients, obligations, and cash flow don’t stop because you’re unwell.
Business expense cover and income protection for the self-employed are structured differently to standard policies and most business owners either don’t have the right cover or have never had it explained properly.
- Business expense cover to keep operations running if you're off work
- Income protection structured around trust or company distributions
- Key person insurance to protect the business if something happens to you
- Coordination with your accountant on tax-deductibility of premiums
You Have a Family and You Want to Know They'd Be Taken Care Of
Having a family changes everything about how you think about insurance. It’s no longer just about protecting your income it’s about making sure that if you’re not here, or you can’t work, the people who depend on you aren’t left scrambling. We work with families to make sure their cover reflects where they actually are young children, a mortgage, dual incomes, future school fees not where they were when they first took out a policy years ago.
- Life cover calculated against your actual debt and dependency obligations
- Income protection for both partners where relevant
- Review of existing superannuation default cover often inadequate
- Estate planning coordination to ensure payouts reach the right people
You're Paying Premiums Every Month and Not Sure You're Getting Value
Insurance premiums are one of the most commonly reviewed areas when Track Wealth takes on a new client because the savings are often significant, and the improvements in cover can be just as meaningful. We saved one client over $16,000 in annual premiums with a minimal reduction in cover. That’s money redirected toward super contributions, investments, and the goals that actually move them forward.
If you haven’t reviewed your insurance in the last two years, there’s a good chance something has changed in the market, in the products, or in your life.
- Full policy review across all existing life, TPD, income protection and trauma cover
- Market comparison to identify better-value alternatives
- Restructuring to remove overlap and eliminate unnecessary premiums
- Reinvestment of savings into your broader wealth strategy
We Don't Just Sell Insurance. We Build a Protection Strategy Around Your Life.
Most advisers approach insurance as a transaction. Track Wealth approaches it as a strategy one piece of a coordinated financial plan that connects your income, your debts, your super, and your family’s future.
We’re not aligned to any insurer. We assess what you need, find the right product, and structure it in a way that fits your broader financial position then we review it every year so it stays that way.
Independent Advice
We’re not tied to any product provider. Our recommendation is based on what’s right for your situation nothing else.
Coordinated With Your Full Strategy
Insurance doesn’t sit in isolation. We build your protection strategy around your income, your mortgage, your super, and your retirement plan.
Proactive Reviews
We review your cover as part of your annual financial review flagging when premiums have crept up, when your circumstances have changed, or when a better option is available.
Honest About What You Need
If you’re over-insured, we’ll tell you. If a cheaper product does the same job, we’ll recommend it. The goal is the right cover at the right cost not the most cover at the highest premium.