Beyond You.

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Personal Life Insurance

Your lifestyle and loved ones will always be looked after through our personal life insurance and wealth protection planning.

Since our business was founded in 1970, we have protected thousands of lives and lifestyles, presided over billions of dollars of life insurance policies and overseen tens of millions in insurance claims.

Plus, in more than 50 years, we can’t recall ever having had a claim refused!

Our experience is unmatched, and our expertise is unrivalled.

  • We match the right policy to the right person for the right reason.
  • We know the providers and they know us.
  • We structure life insurances into your strategic wealth strategy.
  • We ensure your policies remain in force.
  • We identify claims opportunities.
  • We manage the claims process.
  • We get claims paid!

We advise over the following Personal Life Insurances:

Life Cover

Life cover can ease the financial burden for your family in the event of your death.

It can pay off a mortgage or other debts without sacrificing your living standards. If diagnosed with a terminal illness, it will pay you an early benefit to help cover costs.

Income Protection

Income protection insurance provides you with regular monthly payments if you’re unable to work due to sickness or injury. It allows you and your family to maintain your regular household income and keep up with your expenses, even if you aren’t working. This eases the financial pressure, so you can focus on getting back on your feet.


In the event of a serious illness or diagnosis of particular conditions, Trauma cover provides a lump-sum benefit paid to you. This can help to fund the best treatments, reduce debt and lessen the burden for the people that matter most to you.

Total & Permanent Disability

Sometimes, illness or injury can cause a person to become disabled and unable to work. TPD cover pays a lump sum benefit that can help to make your home more accessible and provide money to live.

Child Cover

Child cover provides insurance for kids aged 2-18 and will pay a benefit if they suffer from certain serious conditions or in the event of their death. This can help pay for the best medical care and lessen the burden of the financial trauma this may cause.

Business Expenses

If you’re self-employed or run a small business, Business Expense cover can help give you the time you need to recover by paying eligible business expenses for up to one year.

Key Person

Key person insurance, also known as keyman insurance, is a life insurance policy a company buys on the life of a top executive or another critical individual. This may be needed if that person’s death would be devastating to the future of the company.

For small businesses, the key person might be the owner or founder. The company pays the insurance premiums and is the policy’s beneficiary should the person die.

Why choose personal life insurance?

  • Because you want peace of mind, knowing what you value most is protected.
  • To safeguard your greatest asset: Your ability to earn an income.
  • Because you don’t get a free pass just for being a good person or to bypass death and disease due to job title, bank balance or character.

It’s always a good time to choose to be protected but especially when the following
life events occur:

  • Getting married and/or divorced
  • Children and grandchildren
  • Job promotions and/or redundancies
  • Business ventures and partnerships

Our team is always ready to help. Reach out to us today.

It’s the heart of what we do.


In a world full of choices,
this is why our clients chose us:

When I suffered a serious cycling accident, the comprehensive suite of insurances recommended by Sherlock Wealth were realised. We were able to have specific injuries and trauma benefits paid on top of a regular monthly income protection payment. This was invaluable during a period in my life when I was unable to work yet still had a family to support.

Dr Bruce Walker

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Without Andrew’s detailed knowledge of my insurance arrangements, I wouldn’t have known I had a right to claim when I became ill. Not only had Sherlock Wealth recommended the right insurances for me, but also recognised my right to make a claim which I didn’t know I had. They also assisted in making the claim and the payment I received from that has been life-changing.

Mark Worrall

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We wanted to express our enormous thanks to you and your team. First of all for your sage advice in terms of the policies we have taken out, and then of course for the way you’ve managed the claim process for us to shield us from having to deal with it directly. It’s quite a sum and as a result, we can pay off our mortgage, and completely shoulder the burden of the tests, consultations, and other expenses we face going forward.

Trauma Claim

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This has been the most comprehensive, well explained insurance overview that I have ever received from a financial adviser. Thank you!

Mandi Ford

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For me capital protection upfront was important. Insurance was front and centre. To know that I was going to be protected and that my children were going to be alright if something were to happen to me, helped me to sleep better at night.

Joanne Masters

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