Insurance & Life Events
Life doesn’t always go according to plan, but the right strategy ensures you and your family are protected no matter what happens. We help you secure your income, lifestyle, and long-term financial wellbeing with personalised insurance advice and life event planning that puts certainty back in your hands.
Ensuring Your Family’s Financial Security with Personal Insurance
You’ve worked hard to build your career, your assets, and the lifestyle you enjoy. But what would happen if something unexpected affected your ability to earn or provide for your family? Insurance is designed to protect your financial stability when life takes an unexpected turn. It ensures your family can continue paying the mortgage, covering bills, and maintaining their quality of life, even if your circumstances change.
We help you understand the different types of insurance and choose a structure that genuinely supports your life and long-term goals. Our guidance covers the four core types of personal insurance:
- Life Insurance – Provides financial support for your family or beneficiaries if you pass away.
- Income Protection – Replaces a portion of your income if you’re unable to work due to illness or injury.
- TPD (Total and Permanent Disability) Insurance – Offers a lump sum if a permanent disability prevents you from returning to work.
- Trauma Insurance – Provides a lump sum payment if you’re diagnosed with a major medical condition such as cancer, stroke, or heart attack.
Planning for Life's Biggest Events
Supporting You Through Every Major Milestone
Life rarely moves in a straight line. Buying your first home, welcoming children, changing careers, starting a business, or planning for retirement: each milestone brings new responsibilities and new possibilities. Without the right plan in place, these moments can create pressure or uncertainty, but with the right strategy, they become stepping stones toward a stronger financial future.
We help you prepare for significant transitions so your finances evolve as your life does. Our planners work closely with you to review your structures, adjust your insurance, refine your investments, and plan for changes before they happen. This ensures your finances remain stable, protected, and aligned with your goals through every stage of life.
We support you through key milestones such as:
- Starting or growing your family, including planning for parental leave and increased expenses.
- Buying a home or upgrading your property, ensuring loan structures and protection strategies are in place.
- Changing jobs or careers, including reviewing super, insurance, and cash flow.
- Starting or growing a business, ensuring both personal and business risks are covered.
- Going through separation, redundancy, or unexpected setbacks with clear guidance on protecting your financial foundation.
- Preparing for retirement, ensuring your lifestyle, income, and long-term protection stay in sync.
Creating an Estate Plan
Protecting Your Legacy With Clarity and Confidence
Estate planning is often something people put off, not because it isn’t important, but because it’s emotional, complex, and easy to overlook when life is busy. Yet having a clear plan in place is one of the greatest acts of care you can give your family. It ensures the wealth you’ve worked hard to build is managed as you intend, and that the people you love are protected during stressful or unexpected moments.
Unlike a simple will, a complete estate plan brings together your superannuation, insurance, assets, debts, business interests, and long-term financial wishes. It provides structure, clarity, and direction, reducing confusion, preventing potential disputes, and creating a smooth path forward for your beneficiaries.
We take the time to understand what matters most to you and help coordinate the professional pieces that bring your plan to life, including legal documentation, tax considerations, and beneficiary strategies.
We start by understanding where you are now, what you want to achieve and how much risk you’re comfortable taking. From there, we build an investment strategy that aligns with your broader financial plan, including your cash flow, debt, superannuation, insurance and long-term goals. This ensures every decision supports your bigger journey, not just your next step.
Our philosophy is to create structure, stay diversified and focus on long-term, sustainable growth. We help you avoid unnecessary risk, spread your investments safely across different asset classes and understand exactly how your money is working for you.
And because life changes, we stay connected. We monitor your progress, refine your strategy when needed and provide ongoing education so you feel confident and supported at every stage. With 360, you get a team that blends financial planning, lending, tax insight, and strategic thinking, helping you invest with clarity, purpose, and long-term confidence.
Understanding Your Tax Position Through Life’s Changes
Smarter Structures for Stronger Financial Outcomes
When something in your life shifts, a new job, a property purchase, a business change, or even an unexpected event, we help you understand how it impacts your tax position and how to use that knowledge to your advantage. This might involve choosing whether your insurance sits inside or outside super, planning the timing of major financial moves, or reviewing your contribution strategy to ensure it remains tax-efficient.
Tax often becomes especially important during moments of transition. Clients typically come to us for guidance when:
- They’re planning a major life event, such as buying a home, growing a family, or starting a business.
- Their income changes, either through a promotion, redundancy, or taking time away from work.
- They’re considering major financial decisions, such as selling an investment property or receiving an inheritance.
- They want to optimise their super contributions using the available rules to reduce tax and boost long-term wealth.
Frequently Asked Questions
Do I really need personal insurance?
Personal insurance protects your income, lifestyle, and family if something unexpected happens. Most people insure their home and car, but overlook the asset that matters most, their ability to earn an income. If an illness, injury, or major life event reduces your earning capacity, insurance ensures your financial commitments can still be met, and your family remains secure.
What’s the difference between life, TPD, trauma and income protection insurance?
Life insurance pays a lump sum to your family if you pass away. Total and Permanent Disability (TPD) insurance provides a lump sum if you are permanently unable to work. Trauma insurance offers a one-off payment if you’re diagnosed with a serious medical condition such as cancer, heart attack, or stroke. Income protection replaces a portion of your income if illness or injury prevents you from working. Each type of cover protects a different part of your financial world, and many people benefit from a combination of these policies.
When should I review my insurance policies?
Your insurance should be reviewed whenever your life changes. Events such as buying a home, starting a family, changing jobs, increasing your income, or taking on new financial responsibilities can all impact how much cover you need. An annual review is also recommended to make sure your policies remain competitive and appropriate.
How does financial planning help with major life events?
Life event planning ensures your finances evolve as your life does. When you experience a major change, whether it’s a new baby, a new job, a business launch, a separation, or a move into retirement, your financial structures need to adjust. A financial planner helps you refine your insurance, update your super, review your cash flow, and ensure your goals and protections stay aligned.
How often should I update my estate planning documents?
Estate planning should be reviewed any time you experience a major life change, such as marriage, divorce, having children, purchasing property, or changing financial responsibilities. Superannuation beneficiary nominations should also be checked regularly to ensure they remain accurate, as super is handled separately from your will.
We’re Here to Help with Your Questions and Enquiries
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