Engage Financial Planning

We specialise in personal and business risk insurance advice from Canberra City. We work with individuals, families and business owners who want to understand how illness, disability or death could affect their income, debts and dependants. We begin with those responsibilities.

Life insurance may provide support for family members who rely on a client's income. Mortgage commitments, ongoing expenses and existing assets can influence the amount of cover to consider. We discuss how protection fits a household's needs rather than starting from a fixed sum insured.

Income protection is relevant when illness or injury prevents someone from working. Waiting periods, benefit periods and policy definitions may affect when benefits apply. We help clients compare these conditions with their employment, income and regular financial obligations.

Total and permanent disability insurance and trauma cover address different events. Long-term incapacity, serious illness and changes to living arrangements may require different protection. We also discuss the implications of holding some insurance through superannuation.

For business owners, key person and buy-sell insurance can be relevant when the loss of an important employee or partner threatens operations or ownership agreements. We review these needs in light of the business and the advice of other relevant professionals.