PERSONAL INSURANCE ADVICE

PROTECTING YOU AND YOUR FAMILY

Heppingstone Financial Services (HFS) offers a range of personal insurance solutions designed to protect your most important assets — you and your family — by tailoring strategies to meet your individual insurance needs and long-term financial goals. Our advice is structured to align with your personal circumstances, financial goals, and risk profile. We can arrange insurance inside superannuation, within a Self-Managed Superannuation Fund (SMSF), or as standalone policies outside super, depending on what is appropriate for you.


We may receive a commission from insurance providers for policies we recommend. All commissions and fees will be clearly disclosed, and any advice provided will be in your best interests.


We Can Help You With


We can tailor a personalised insurance plan designed to meet your individual protection needs and long-term financial objectives. We have access to a broad range of insurance policies and providers and can recommend suitable solutions, including:


Secure your income if you're unable to work due to illness or injury. Receive up to 75% of income covered. Tax-deductible premiums. Flexible waiting periods 

Financial Support if you become totally and permanently disabled. Receive a lump sum benefit if you are unable to work due to illness or injury. The payment can help cover medical and rehabilitation costs, living expenses, and home modifications, depending on your policy.

Family Financial Security. Provide financial support to your beneficiaries in the event of your death or terminal illness. A lump sum benefit can assist with covering outstanding debts, living expenses, and future financial needs, depending on your policy.

Critical Illness Cover. Receive a lump sum payment to help you focus on recovery without financial stress.

  • Covers a range of major illnesses (as defined in your policy)
  • Immediate lump sum payment upon valid claim
  • No waiting periods, subject to policy terms


HOW IT WORKS?

Getting the right insurance protection is simple with our proven four-step process


WHY CHOOSE HFS?

We're committed to providing exceptional service and tailored insurance solutions