Expert financial advice saves a young family nearly $8k
Client Stories • Jul 15, 2025 11:16:24 AM
Client background
The client, in their 40s, married with a mortgage and children, was juggling family commitments alongside steep insurance premiums. Their premiums were loaded years earlier due to their medical history at the time.
After significant effort to improve their health, they assumed their policy was fixed and continued paying the high costs, unaware they might now qualify for better terms.
Our expertise at work
During the client’s financial review, our adviser recognised that the client’s improved medical situation created an opportunity to renegotiate their cover. Combining deep knowledge of insurer underwriting rules with a collaborative approach, the adviser worked closely with the client to keep their goals front and centre. They explored options, requested a reassessment from the current insurer, and researched the broader market, conducting a comprehensive review to secure the best possible outcome.
Impact delivered
We presented the client with an option that delivered significant cost savings with a minor new policy exclusion, which was a worthwhile trade-off for the substantial savings and peace of mind.
Ultimately, the client reduced their insurance costs by $7823 per year, easing financial stress and freeing up money for other priorities.
Is your insurance still working as hard as you are?
When your needs change, so should your cover. All too often, people set and forget. We don’t blame you. Understanding the fine print and navigating the options can feel overwhelming, and the insurance companies certainly don’t make it easy.
That’s where a financial expert steps in, doing the legwork for you - exploring options, requesting a reassessment from the current insurer, researching the broader market, conducting a comprehensive review to find the best cover for your needs today, and even moving to a new provider if mutually agreed upon.
Remember, being wealthy isn’t just about earning more; it’s about optimising what you already have. When your foundation is strong, your money can keep working harder for you as you grow.
Because retirement isn’t just about superannuation. It’s about setting goals and uncovering opportunities to optimise your finances now so you can enjoy a more comfortable, confident future.