about

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We don't pretend to be experts in every area of financial services - and that's by design.

At Adelaide & Hills Financial Services, we are a 100% specialist life insurance advisory firm. Our focus is clear: helping you protect your today, so you don't have to worry about your tomorrow. 

In today's complex environment, expert life insurance advice and ongoing policy management have never been more critical for working Australians - and this is where we excel. 

Our reputation in the industry is strong. Life insurers regularly engage us for input into product design and service development. In return, we secure:

• preferential pricing, meaning lower premiums for our clients,
• improved underwriting outcomes, especially in complex cases, and
• direct access to key insurer decision-makers, which helps resolve issues faster. 

We're proud to be a trusted referral partner to a broad network of professionals, including:

• Accountants, 
• Lawyers, 
• Investment advisors, 
• Finance and mortgage brokers, 
• General insurance brokers, 
• Banks, 
• and even life insurance companies themselves.

Most importantly, our clients refer us to their friends and family, not just because we provide expertise, but because we genuinely care.

It starts with an obligation-free discussion to understand what matters most to you - your goals, your priorities, and your time frame. 

From there, you'll receive our Financial Services Guide, which outlines our experience, the services offered, and our fee structure. This gives you the clarity to decide whether we're the right fit to support your insurance needs and protection strategy.

If you choose to move forward, we'll collect detailed financial and personal information to ensure the advice we provide is tailored, relevant, and aligned with your broader financial plan.

Your personalised insurance strategy will be designed to:

• compliment your overall financial goals, 
• include the right mix of cover - including total and permanent disability, income protection, death and trauma covers, 
• reflect a holistic view of your personal and financial circumstances, 
• be structured in the most tax-effective way, 
• match you with the most suitable insurer, based on price, product strength, underwriting outcomes, and strong performance in the critical areas of benefit payments and dispute resolution,
• be reviewed regularly to ensure it stays aligned with your evolving needs.

At Adelaide & Hills Financial Services, we’re committed to delivering the best possible outcomes for our clients through tailored advice, exceptional service, and enduring relationships.

We understand that your goals may evolve over time—and life can bring unexpected challenges. That’s why we stay actively involved, meeting with you regularly to review your protection plan and make any necessary adjustments to keep you on track.

Our mission is simple: to help safeguard the dreams you're striving for and protect the wealth and lifestyle you've worked hard to build. 

 Before you start building your financial future, it's essential to protect what you already have. At Adelaide & Hills Financial Services, we make sure you’re equipped with the right mix of life insurance solutions—designed to safeguard your income, your family, and your assets in the face of the unexpected.

Our goal is simple: to return you to a financial position as close as possible to where you were before an insurable event occurred—whether that’s illness, injury, or worse.

Types of Life Insurance Cover We Consider

• Income Protection – Provides a monthly benefit if you’re unable to work due to illness or injury
   
• Death Cover (Life Insurance) – Offers financial support to your loved ones if you pass away
   
• Total & Permanent Disablement (TPD) Cover – Pays a lump sum if you become permanently unable to work
   
• Trauma Cover – Delivers a lump sum payment on diagnosis of a serious medical condition (e.g. cancer, heart attack, stroke)

There’s a wide gap between basic and comprehensive cover. A cheaper premium might look good upfront, but limited definitions, exclusions, or claim hurdles can come at a much greater cost when it matters most.

We don’t work with just a handful of insurers. Our Approved Product List includes every life insurance provider in Australia, giving us the flexibility to recommend the most suitable policy—based on:

• Product strength and definition quality
• Premium affordability and structure
• Claims process transparency and track record
• Dispute history and customer support
   

With over 20 years of experience navigating insurance recommendations and managing successful claims, we know the providers that deliver—when it matters most.

Whatever can go wrong usually does—and when it does, we’re here for you.

At Adelaide & Hills Financial Services, we don’t hand you off to a call centre or leave you to navigate the claims process on your own. 

Instead, our experienced, compassionate team personally manages your claim from start to finish—providing clear advice, regular updates, and hands-on support when you need it most.

This is our value proposition. It’s where we deliver the most impact—and where our clients experience the greatest peace of mind.

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

• Home, vehicle and personal finance
• General insurance advice
• Superannuation and Investment advice
• Retirement Planning
• Wills and Estate Planning 
• Family Law
• Business Succession Planning
• Accounting and tax services
• Bookkeeping
• SMSF administration 
• Business sales & acquisitions 
• Property purchases or sales 
• New or used vehicle purchases

 If you need guidance in any of these areas, we’re happy to make a no-obligation introduction to one of our trusted partners. Each has been carefully selected for their integrity, service, and professional excellence.

We don’t receive, nor do we pay, any fees or commissions for referrals—our only incentive is the peace of mind in knowing you’re in good hands.

If you offer a service that would benefit our clients, we’d love to hear from you.

We value strong professional relationships—and we love supporting those who support us.