about

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We don't make out to be specialists in every facet of financial services!

Adelaide & Hills Financial Services is a 100% specialist life insurance advisory firm where our primary focus is to help protect your 'today' so you don't have to worry about your 'tomorrow'. 

The need for quality and expert life insurance advice and ongoing policy management is, more than ever, an integral financial consideration for working Australians. 

As a result, we are regularly called upon by life insurance companies for input into their product design and service proposition. In return, we command preferential pricing (meaning the cost to you is lower) and better underwriting outcomes for our clients. 

We attract new clients from existing clients, plus a vast array of strategic referral partners that include accountants, lawyers, investment advisors, finance brokers, general insurance brokers, banks, and life insurance companies. 

It starts with an obligation free discussion to help understand what it is you are trying to achieve, how important it is, and a time frame for achieving it. 

You will be provided with a Financial Services Guide to help you understand the advisors experience and fee structure, which helps determine the merits of working together.  

If you are happy to proceed, we will need to gather some detailed financial and non-financial information from you, all necessary as part of formulating your tailored advice plan to ensure the advice will:

• compliment your financial plan, 
• tailor the right mix of cover including total and permanent disability, income protection, death and trauma covers, 
• take a holistic view, 
• structure the ownership in the most tax-effective manner, 
• identify the most suitable life insurance provider, 
• and review your needs regularly.

We are focused on achieving the best outcomes for our clients, delivered with an unwavering commitment to service and building lasting relationships. 

Over time,  goals can change and unexpected challenges arise.  As such, we will meet regularly to 

ensure any periodic adjustments required for you to stay on track are identified and made to provide the increased chance of reaching your financial goals.  

Our goal?  To safeguard the dreams you strive to achieve and the assets you have worked so hard to accumulate. 

Life Insurance is an essential part of financial planning so before you start to build your financial future, we will protect your today by ensuring you have enough total and permanent disability, income protection and life insurance cover to protect you, your family, and your assets.

Our aim is to ensure you are returned to a situation that is as close as possible to what existed before the occurrence or an insurable event, to the greatest practical extent.

The key life insurance coverage that we'll consider include:

• income protection
• death cover
• total & permanent disablement cover (TPD)
• trauma cover

To determine your needs, we will undertake a series of calculations after assuming a range of 'what-if' scenarios to have occurred from which we are able to measure the financial impact against your current situation to determine the lump sum or income required to make up the shortfall.

To add value to your financial position, we will ensure the cover is acquired as cost effectively as possible. This includes taking advantage of any tax benefit available to you, now or in the future.

Ideally, at least the insurance ownership should achieve ither deductibility of premiums or exemption on payment of benefits.

The process will also identify the most suitable insurer that best meets your ongoing cash flow requirements and covers your exposure to identified insurable risks.

This process demands a well-researched selection process as there are many factors when providing an insurance recommendation that come into play. Not all covers are made equal as the definitions of an insurance policy shape the features of the product that distinguish one from another.  

Invariably there may always be a cheaper product, and on the other hand there will also be more

expensive products in the market. It is important to understand that this is all predominantly relative.

You basically get what you pay for. 

While having access to a limited few insurers would make life easier, our Approved Product List includes every available life insurance company in Australia. This allows us to identify the most suitable insurer that best meets our clients needs with sound quality definitions at an affordable price. We also combine this with our experience over many years with each insurer's claim process and past performance in areas of benefit payments and disputes.

Whatever can go wrong usually does and when it does, we'll be there.

Should you get hit by one of life's curve balls, we won't pass you on to a 1800 phone number as this can be intimidating and confusing. In an era of increasingly complex insurance products that lead to increasingly complex claim management, this is where we really go to work for you.

This is our value proposition.

Our friendly, professional and experienced advisors will support you throughout the claim and provide clear advice and feedback every step of the way to ensure that claims that should be paid quickly, are paid promptly.

Our in-house procedures and plans, created over 25-years, means minimising of delay, distress, disruption, and confusion for all concerned.

While we're not in a position to help make one's physical pain go away, there's no question about our ability to dramatically help from a financial perspective that allow our clients to get on the best possible road to a speedy recovery without the stress and anxiety that money worries bring.

We have an extensive network of strategic network partners that allow you to obtain advice in any of the following areas:

• Finance for any reason
• General insurance advice
• Superannuation and Investment advice
• Retirement Planning
• Wills and other Estate Planning advice
• Family Law
• Succession Planning
• Preparation of legal documents 
• Accounting and taxation services
• Bookkeeping
• SMSF administration 
• Buying or selling a business 
• Buying or selling a house 
• Buying a new or used car

Please call us for an obligation-free introduction. 

We love supporting those that support us.

We do not pay, nor do we receive, any monetary or non-monetary fee for any client referral other than the satisfaction that our clients will be treated with the utmost care, respect, and professionalism while obtaining exceptional service and advice. 

If you have a service that you believe would be of value to our clients, please don't hesitate in contacting us.