Umbrella Insurance AdviceCall Umbrella Insurance Advice

Licensed insurance adviser · Australia-wide

Insurance without the BS. Get a clearer view of what may be worth checking.

Life, income protection, TPD and trauma cover, explained in plain English by a real adviser. No jargon, no run-around. And if you do not need it, we will tell you.

Book a no-obligation callThe four cover types

General advice only. It does not take your objectives, financial situation or needs into account. Consider the relevant PDS before deciding.

Couple in retro office wear bouncing on yellow and red space hoppers

In 16 years, Justin has helped 640+ families sort their cover, and assisted with $15M+ in paid claims.1

1 Experience refers to our lead adviser, Justin Turtle. Financial Advisers Register, AR No. 332025, first authorised 2009. Figures refer to cases Justin has assisted. Past outcomes do not guarantee future results.
The cover types —

Four ways to understand the life you have built

Different jobs, different fine print. Start with what each cover type may do, what it does not do and which questions are worth checking.

Family running along a beach at sunset
No. 1

Income protection

May pay a regular benefit if illness or injury keeps you off work, subject to policy terms.

Tradeswoman in a hard hat
No. 2

Life insurance

May pay a lump sum in the circumstances set out in the policy, helping people understand what may be worth checking.

Children jumping on a bed
No. 3

TPD insurance

May pay a lump sum if you meet a total and permanent disability definition in the policy.

Couple spending time together outdoors
No. 4

Trauma insurance

May pay a lump sum after diagnosis of a serious condition specified in the policy.

The difference —

Why people use an adviser instead of going it alone

i.

No BS approach

We explain what the different cover types may do, what is already in super and what questions matter. If a conversation is not useful, we will say so.

ii.

Support when details matter

Claims depend on definitions, evidence and circumstances. If a claim happens, Justin can help you understand the insurer's process.

iii.

Clear about the moving parts

Policy terms, premiums, exclusions and how an advice process works should be explained plainly before anyone decides what to do.

How it works —

Simpler than you think, and you stay in charge.

  1. i.

    Have a chat

    A short conversation about what you are trying to sort out. No pressure to proceed.

  2. ii.

    Understand the options

    Justin explains the relevant cover topics, trade-offs and next steps in plain English.

  3. iii.

    You decide

    Take your time. If you choose to continue, the advice process explains what comes next.

The big question —

Worried insurers find ways not to pay? APRA's December 2025 data reported that 97 in 100 death-cover claims made through an adviser were admitted last year. An individual claim still depends on the policy terms, evidence and circumstances.1

1 APRA Life Insurance Claims and Disputes Statistics, 12 months to 31 December 2025, published 29 April 2026. Past industry outcomes do not guarantee an individual claim outcome.
Justin Turtle seated in an office
Your adviser —

A short note from Justin

When we talk, I will explain the cover types available, the pros and cons of each and the questions worth asking. I will also explain what you may already have in super. A lot of people are surprised.

Then you decide what, if anything, makes sense to explore through the advice process. New cover, a review of what you have or doing nothing are all valid outcomes.

And if you ever need to make a claim, you can talk to someone who understands the details.

— Justin Turtle

Licensed adviser · AR 332025 · first authorised 2009
Back in 2022, when I was still an apprentice electrician, Justin helped me put in place income protection and trauma cover. Since then, I’ve become a qualified electrician, and unfortunately had a work injury that kept me off the tools for six months. Thankfully, I was able to claim on my income protection, which covered me during that whole period. I’m really grateful we set it up when we did.
Max T Income protection client

Showing testimonial 1 of 3.

Individual client experiences, shared with permission. Claim outcomes depend on policy terms, evidence and circumstances; past outcomes are not a guarantee.

Your questions, answered —

The things people actually ask us

What if I already have insurance through work or super?

Many people have some cover in super or through work. It can be useful, but the amount, definitions and whether it will continue can vary. Reading your statement is a good first step.

How much life insurance do I actually need?

There is no magic number. Debts, household costs, dependants, existing cover and personal priorities all matter. A web page cannot answer that for you, but it can help you prepare the right questions.

Do I need a medical exam to get cover?

Underwriting requirements depend on the insurer, cover and your circumstances. Do not rely on a general promise about medical checks; ask what the process may involve before starting.

What is the difference between TPD and trauma insurance?

They are separate cover types. TPD can involve a total and permanent disability definition, while trauma can involve diagnosis of a specified condition. The policy terms make the distinction precise.

Ask us directly if you would like to talk through your questions.

A clearer place to start

Fifteen minutes. No pressure. Plain English.

Book a call with Justin, explain where you are at and get a clearer view of what may be worth checking. If there is nothing to do, you will know you can leave it alone.

Book a no-obligation call

Prefer to talk now? Call 0468 015 869

What the call covers

  • What you are trying to sort out
  • What cover you may already have
  • Which questions are worth a closer look
  • What happens next, only if you want it to

General advice only. No obligation to proceed.