Practice area
Life, TPD, income protection and trauma insurance
Cover that protects your income and your family if you can’t work or you pass away, from Ensurlife, with reviews of your existing cover by Wealth Mantra.
On this page
About Insurance & Protection
Personal insurance protects the things that depend on your income: your home, your family’s living costs and your plans. The four main types each do a different job. Life cover pays a lump sum if you die, TPD cover if you can never work again, and trauma cover on a specified serious illness, while income protection pays a monthly benefit while you can’t work.
Ensurlife helps you work out what cover you need and find suitable policies. Wealth Mantra can review the cover you already hold, inside and outside super, as part of a wider financial plan. Business Mantra Accountants can also help businesses think about their own risks and how to insure them.
Many people already have some cover through their super fund without knowing how much. Checking it is a good first step.
Our Insurance & Protection services
Life insurance
Cover that pays a lump sum to your family if you pass away or are diagnosed with a terminal illness.
Delivered by Ensurlife
TPD insurance
Total and permanent disability cover if illness or injury stops you working for good.
Delivered by Ensurlife
Income protection
Replaces part of your income if you cannot work for a period because of illness or injury.
Delivered by Ensurlife
Trauma insurance
A lump sum if you are diagnosed with a specified serious medical condition.
Delivered by Ensurlife
Insurance review & comparison
A review of the cover you already hold and how it compares, within your wider plan.
Delivered by Wealth Mantra
Business insurance
Help choosing insurance for your business’s risks, such as property, liability and business interruption.
Delivered by Business Mantra Accountants
Premium funding
Pay your business insurance premiums in monthly instalments instead of one upfront payment.
Delivered by Business Mantra Accountants
When to talk to us
You’ve taken on a mortgage
You want the loan covered if you couldn’t work or passed away.
Your family has grown
A new child means more people relying on your income.
You’re self-employed
You have no sick leave to fall back on.
You’re not sure what you have
Your super includes cover you’ve never checked.
Your business depends on you
You want to think about the risks to your business and how to cover them.
How it works
Talk about your situation
Your income, debts, family and existing cover are discussed.
Work out what you need
How much cover, of which types, and whether to hold it inside or outside super.
Compare and apply
Suitable policies are compared, and you get help with the application.
Review over time
Your cover is checked again when your life changes.
Who delivers it
Ensurlife
Personal risk insurance for every life stage
Life, TPD, income protection and trauma insurance for Australians and families at different stages of life.
Delivers Life insurance, TPD insurance, Income protection and Trauma insurance
Wealth Mantra
Financial planning, super and retirement
A Perth wealth-management firm specialising in financial planning and superannuation, working alongside clients’ accountants.
Delivers Insurance review & comparison
Business Mantra Accountants
Chartered accountants and business advisors
A Perth accounting and business advisory practice covering accounting, tax, advisory and CFO services, plus an in-house business technology team.
Delivers Business insurance and Premium funding
Good to know
Answer honestly
When you apply, you must take reasonable care not to give the insurer wrong or misleading information. If you do, a claim could be declined or the cover cancelled.
Insurance through super
Many super funds include default life, TPD and income protection cover. It is paid from your super balance and may have limits.
Read the product disclosure statement
Each policy’s PDS explains what is and isn’t covered. Information on this page is general, not personal advice.
Questions about Insurance & Protection
Can’t find your answer? Ask us and we’ll pass your question to the right business.
Answers are general information, not personal advice.
Insights
Guides from the group’s specialists
Insurance & Protection
Key Person and Income Protection: Protecting What Powers Your Business and Family
How income protection, life, TPD, trauma and key person insurance work, what each pays for, and the trade-offs of holding cover inside or outside super.
Ensurlife · 4 min read
The group
Other practice areas
Wealth & Financial Planning
Financial planning, super, investments, retirement and estate planning.
SMSF & Superannuation Structures
SMSF setup, administration, advice and independent audit.
Accounting & Tax
Business and individual tax returns, tax planning, FBT, R&D incentives and company compliance.
Bookkeeping, Payroll & Business Administration
Bookkeeping, payroll, BAS and accounting software, handled day to day.
Advisory & CFO
Virtual CFO support, advisory boards and planning for growth.
Recruitment & Workforce
Recruitment, labour hire, staffing and HR support for employers.
Migration & Visas
Skilled, employer, family, student and visitor visas, citizenship and appeals.
Business Technology
IT support, cyber security, cloud, websites, software and AI automation.
Business Finance & Property
Business lending, asset finance and commercial property finance.
Important information
General information only: it does not take your personal circumstances into account.
Services described here may be subject to eligibility, professional registration or licensing requirements. Confirm the relevant scope and documents directly with Ensurlife, Wealth Mantra, Business Mantra Accountants before proceeding.
Next step
Need advice inInsurance & Protection?
Start with a conversation and we’ll connect you with Ensurlife, Wealth Mantra and Business Mantra Accountants.
