Personal Insurance

Personal Insurance Advisory Services

Life does not always go to plan. Illness, injury, disability, or the unexpected loss of a loved one can have a devastating financial impact when you are not adequately protected. Most Australians are significantly underinsured without realising it.

Life insurance: cover level recommended based on dependants, debt, and income replacement needs.

Income protection: policies that replace a significant proportion of your income if you cannot work.

Benefit period and waiting period advice: policy terms assessed to ensure cover responds when needed.

TPD insurance: lump sum protection in the event of total and permanent disability.

Trauma cover: financial resources available for a serious illness requiring significant lifestyle adjustment.

Insurance inside and outside super: tax-effective structure for each cover type advised and coordinated.

Superannuation Default Cover Is Rarely Adequate

Many Australians assume the insurance in their superannuation provides adequate protection. In most cases it does not, and the gap between what people have and what they actually need becomes most apparent at exactly the wrong time. We provide an honest, thorough assessment of your real coverage needs.

Cover That Fits Within Your Complete Financial Plan

Personal insurance should complement your financial plan, not exist in isolation from it. Our advisors ensure your insurance programme is properly integrated with your super contributions, investment strategy, and estate plan, providing protection that works as part of a coherent overall strategy.

Making Complex Operations Simple for ASX-Listed Companies

Experience That Makes a Difference

Our personal insurance advisors take a thorough, genuinely independent approach to assessing your protection needs, working closely with Fortuna's financial planning and accounting specialists.

With 15 years of global experience and a passion for meaningful outcomes, Mili leads Fortuna's wealth management division with the belief that financial freedom is just the beginning.

Mili Aggarwal

Director - Wealth Management

Winner of Australian Accounting Awards 2022 (New Partner of the Year), Melvyn is a qualified CPA with 2 master’s degrees and over 15 years of international experience. Melvyn specialises in Business Strategies and CFO Services, Accounting & Australian Tax.

Andrew O'Neil

Senior Financial Planner

Winner of Australian Accounting Awards 2022 (New Partner of the Year), Melvyn is a qualified CPA with 2 master’s degrees and over 15 years of international experience. Melvyn specialises in Business Strategies and CFO Services, Accounting & Australian Tax.

Louise Davies

Senior Financial Planner

Protect Your Income, Your Assets and the People Who Depend on You

We assess your personal circumstances and present insurance solutions genuinely suited to where you are in life, ensuring that when the unexpected happens, your financial position remains intact.