Your super fund gives you a policy document written in language designed for compliance, not clarity. A licensed adviser reads it for you, finds what is missing, and builds cover that reflects your actual life.
Enter your income and age. See the difference in total coverage between a typical group policy and what a licensed adviser can arrange for you. The gap is usually significant.
General estimates based on industry averages. Not a quote or personal advice. Your adviser will model your specific numbers in the free call.
This calculator provides general information only and does not constitute personal financial advice. Figures are indicative estimates based on industry averages. Your actual cover, premiums and entitlements depend on your insurer, policy terms, health history, occupation rating, and individual circumstances. Speak to a licensed Skye Wealth adviser for advice specific to your situation.
Life cover, income protection, TPD and trauma insurance each do a different job. Most Australians have at least some through super. Almost none have all four set up correctly. Here is what each one actually does.
Policy documents and group cover guides are dense, technical, and written for compliance, not for people. At Skye Wealth we've broken down the concepts that matter most, so you actually understand what you're covered for. Because you deserve to know.
Group cover exists to give your employer a simple solution. It is not designed around your life. These are the six gaps that show up most often when clients come to Skye Wealth for the first time.
Getting the right personal insurance should not require you to become an expert in policy documents. Here is how Skye Wealth handles it for you.
Skye Wealth is not tied to any one fund or product. We look at every major insurer, match the policy definitions to your occupation, and manage the process from application through to claim support.
Phil built Skye Wealth because he watched too many Australians get to claim time and discover their group policy was not what they thought. He and his team have helped thousands of clients get personal insurance that holds up when it needs to.
I assumed my super had me covered. Phil showed me my income protection would have stopped after 2 years and my TPD used an any occupation definition. We fixed both. For the first time I actually understood what I was paying for and what it would do.
Running my own physio practice means no sick leave and no fallback. Skye found income protection that covered my business income properly, and set up trauma cover I never knew I needed. The call was 15 minutes. They handled everything after that. I just said yes.
Your patience with the paperwork was extraordinary. If you had not explained TPD to us we would never have known what he was entitled to. The difference between the group definition and the retail own-occupation definition was the entire claim.
Answered plainly. No insurance speak.
Most Australians leave that call having learned something about their cover they did not know before. Book yours. It costs nothing.
Free. No commitment. No jargon.