Life Insurance

Insurance is probably one of the more frustrating things that you purchase. You pay money for something that you hope you never have to use. But if you need to make a claim, it could be the lifeline that keeps your world together. Discover the key insurance options that can shield your family and financial stability.


Total permanent disability (TPD) insurance: Preserving your finances

TPD insurance provides a lump-sum payment if you become totally or permanently disabled.  While you may not be capable of earning an income, you’re still alive and have expenses to cover.  You can tailor the plan to your needs and the coverage level required is similar to life insurance.

Trauma insurance: Navigating health challenges

Trauma insurance offers a lump-sum payout if you’re diagnosed with a critical illness like cancer, heart attack, or stroke. This financial cushion helps cover medical expenses during an stressful time. The coverage level is usually lower than TPD since you’re more likely to recover and resume earning.

Income protection insurance: Securing your livelihood

Income protection insurance ensures you receive up to 75 percent of your current monthly income if illness prevents you from working. Payments start after a waiting period and continue monthly for a predetermined period. You can choose the waiting period and benefit duration, tailoring the plan to your needs.

Business expense insurance: Safeguarding your business

For self-employed individuals, business expense insurance is invaluable. It provides revenue for your business if you’re unable to work. This coverage could be critical if you need to hire someone to manage your responsibilities while you’re unable to.

Securing your family's future with Financial Spectrum

Finding the right insurance to safeguard your family can be confusing and overwhelming. Also, each policy has a list of pre-defined medical conditions that it covers so it’s critical that you understand what you’re purchasing.  Your unique circumstances determine the insurance you need. Striking a balance between cost and coverage is crucial.

At Financial Spectrum, we take time to understand your needs and offer a comprehensive insurance analysis to identify the most suitable and cost-effective policies for your specific situation.

How we work with you

At Financial Spectrum, we assess the risks pertinent to your situation and guide you toward suitable insurance coverage. Striking the right balance between cost and benefit is our priority, making your money go as far as possible.

We understand that life insurance might seem like a significant expense with uncertain returns. However, the challenges of sickness, disability, or loss are tough enough without the added burden of financial stress. Clients who’ve faced illness have appreciated focusing on recovery, free from money worries. Those dealing with loss have found solace in avoiding financial strain on top of grief.

We operate commission-free, ensuring you get the right coverage for your specific situation that is affordable. Some insurance premiums, like income protection, are tax-deductible and others you can pay for through your super.

By entrusting risk management to experts, you’ll experience better sleep at night, knowing your family’s financial wellbeing is shielded.


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Having worked in the financial services industry myself, I sought a Financial Planner who had the analytical and problem solving creativity skills that I was in need of with a strategic and holistic approach. Given the extent of conflict of interest in the Financial Planning industry, it was a relief...
Janar, NSW
I have been extremely happy with the service Financial Spectrum has provided. I would gladly recommend them to anyone wanting a truly talented group of financial planners on their side.
Sam, NSW
We've been using Financial Spectrum for a few years after they were recommended by a friend in the finance industry. Brenton, Thomas, Alan and the rest of the team are very thorough, efficient, knowledgeable, ethical, genuine and lovely to deal with. All parts of our financial lives are sorted from...
Sarah and Chris, Sydney
After talking to four financial planning firms, we engaged Greg from Financial Spectrum to help develop our first financial/ wealth planning strategy. We've found his advice to be quite strategic, realistic and on-point such that it thoroughly considers our short-term and long-term goals. I especially appreciate Greg taking our adhoc...
Nakul, Sydney
We were cruising and wanted help to take charge and make some big financial decisions. Financial Spectrum took care of the boring parts to get it down to the key decisions to make. And we knew their recommendations were impartial, which was really good.
Jessica, Sydney
Brenton and the team at Financial Spectrum are genuine honest and friendly financial planners if you're in need of any advice on your finances.  Do not hesitate to contact Brenton. He takes the time to ask you questions first, rather than rushing you like most other planners do!  I took...
KD, Sydney


Financial Spectrum never tried to sell me something. They asked me the right questions; they listened; and they’ve educated me. Now they’re where I send my friends and colleagues who need financial advice they can trust.
Emma, Sydney
We cannot thank you enough for your fantastic investment advice. We could not have imagined four years ago that our $40,000 investment would now be worth $250,000. Thank you to our financial planner!
Sid and Melanie, NSW
We have been working with Spectrum Financials for a number of years. As a young couple thinking about marriage and starting a family were wanting some guidance for long term planning. After researching a number of financial advisors we decided to go with Brenton and his team due to their...
Duncan and Rebecca, Sydney
I have really enjoyed working with Brenton and the Financial Spectrum team. Meeting with Brenton has provided us with value that spans well beyond just purchasing an insurance product. He has provided fantastic guidance in our wealth building journey and has been a great contribution to both my partner and...
Nicole, Sydney
Greg Suefong has turned my life around. I'd been searching for someone like Greg for a while and had spoken to various professionals, but all were disappointing. However, from the first consultation I knew Greg was "the one" and I signed up straight away without hesitation. He understood my unique...
Michelle, Sydney
The team at Financial Spectrum have been a huge help to my wife and I. Our planner has given really helpful advice including the development of a SMSF. We feel like he has taken considerable time to understand our unusual circumstances and has tailored to them. We feel understood, significantly...
Chris and Kerry, Sydney

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Frequently asked questions

If you choose not to take out life insurance, your other option is to self-insure. This is simply setting aside sufficient funds to cover your expenses are unable to work or pass away. As you’re building wealth, you typically don’t have the financial backing to take care of major unexpected events that stop you from working. This is where insurance comes in. But if you have sizeable assets already, self-insurance may be an option.

If something happens to you and you don’t have insurance or substantial funds set aside, you may be forced to take drastic action to keep things going. This might include changing where you live or finding other ways to dramatically cut your costs. If you’re a business owner, it could also mean the end of your business.

It’s possible to get life insurance if you have a pre-existing condition, but an exclusion may apply, or you will pay more. A financial adviser can source the right policy on your behalf and take you thought the different considerations of each option.

Pre existing conditions

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