Insurance that Protects the Plan, Not Just the Person
At Japhia Wealth Advisory, Insurance is part of a broader strategy—not a product you take off a shelf. We will help you put the right cover in place, owned the right way, so a health event or accident does not derail years of careful saving and investing.
How we approach Insurance
We start with your life and your numbers: income, debts, dependants, and what it would take to keep the household (or business) running under pressure. From there we size the cover and assess the cost, choose ownership and funding structure (personal or via super), and document the decisions in plain English.
You will connect directly with an experienced adviser who keeps the process efficient and transparent.
Learn more about our team on the About page.
The cover types we consider
Most clients need a blend of personal risk cover. We will tailor the mix to your stage of life, cash flow and goals.
Trauma + Critical Illness
Rapid cash for medical costs and time off work.
Income Protection
A monthly benefit to replace earnings during extended illness or injury.
Total & Permanent Disablement (TPD)
A lump sum to fund long-term lifestyle and care needs.
LiFe Cover
To clear debts and provide for loved ones.
For business owners, we can extend to Key Person cover and Buy–Sell funding so the enterprise survives a shock and ownership transfers cleanly.
Getting the details right
Cover amount is only half the story. Definitions, riders, terms regarding waiting/benefit periods and choice of owner of the insurance policy are where claims are won or lost. We will walk you through how you can decide what is suitable for you.
We will also coordinate with your accountant and solicitor when necessary, and we keep records tidy so renewal season isn’t a scramble.
Underwriting and claims—done properly
Underwriting can feel intrusive; our job is to make it manageable. We prepare you for medicals, clarify loadings or exclusions up-front and only recommend providers we are confident will pay valid claims. If life throws a curveball, we will help you deal with the insurer so you can focus on family and recovery.
Integrating insurance with your financial plan
Insurance should sit alongside Superannuation, investments and cash flow to form a coherent financial plan. We will model premium affordability, consider ownership via super where appropriate, and review cover as life changes—new job, mortgage, partnership, or children. When markets or legislation shift, we will analyse the implications and help you make adjustments to stay in step with your broader strategy.
See how we work from first chat to review on our Process page and read practical guidance in our Useful Tips.
Who we help
Professionals who want clean, tax-aware protection without the sales pressure
Business owners needing buy–sell or key person solutions folded into their plan
Families with dependents and long-term liabilities
Ready to make insurance straightforward?
If you have not reviewed your cover in years — or you are starting from scratch — we will make insurance clear, efficient and tailored to your life.
Let’s Chat — call us or message us using this form.
GENERAL ADVICE WARNING: This information is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Madison Financial Group Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.