Personal insurance and wealth protection

Business insurance

Have you got the right personal insurance?


Are you adequately insured?

Sure, you might have some cover in your industry superannuation, or taken out a policy when you signed up for a mortgage.

But did you know that often these ‘generic’ types of personal insurance don’t actually offer you real protection?

Wealth protection


According to the statistics, as many as 95% of Australians are either not insured at all, or are substantially underinsured – paying premiums for personal insurance that won’t really protect them when they need it.

That’s why it’s important to assess what YOU need and what your family needs.

The right kind of personal insurance protects you when the unexpected happens. It will ensure that you can pay your bills, that you can keep the roof over your head and your savings intact.

This is wealth protection – so you don’t erode your assets just trying to keep on top of expenses.

Step Up Personal Insurance

Types of personal insurance


The right personal insurance means peace of mind, leaving you free to focus solely on whatever life event you need to get through.

Trauma Insurance, Permanent and Total Disability, Income Protection and Life Insurance are the main four types of insurance to consider if you have large debts and dependants.

Trauma Insurance is sometimes called critical illness cover. More than medical insurance, it provides a lump sum to cover immediate medical expenses and other financial needs when a critical illness or injury occurs. You can also protect your children with Trauma Insurance.

Total and Permanent Disability Insurance (TPD) is designed to help take the pressure off you financially if you suffer an illness or injury that leaves you totally and permanently disabled. This can be used to eliminate debts, pay for medical expenses or fund permanent lifestyle changes.

Income Protection is cover that will protect you if you can no longer work.

Life Insurance or death cover is designed to help those you leave behind after you die. It will enable them financially when you are no longer around.

Our team of financial planners can help you work through what personal insurance you’ve got… and what you might need.

What does a financial planner do?


As fully qualified, experienced financial planners, we’re able to help you understand and manage your cash flow more effectively. We also provide financial services, including advice on:

And we encourage your pathway based on your own individual circumstances and values.

Are you ready to Step Up and take control of YOUR financial future?


Using the Step Up Financial Process, we help you launch the plan that will grow your wealth, protect your wealth and keep you in control.

Step up and take control of your financial future by contacting our local team of experienced financial planners today.

Need more information? Get in touch with Step Up Financial


    • 107 Moulder Street,
      Orange, NSW 2800

      PO Box 2499
      Orange, NSW 2800

    • (02) 6362 5445