Life doesn’t always go to plan. That’s why personal insurance matters.
At OakView Financial, we offer professional and expert personal insurance advice for locals across the Gold Coast.
Our experienced team understands the unique needs of our community and works with you to find smart, reliable solutions that help secure your future with confidence.
Personal insurance is your safety net when life throws a curveball.
An unexpected illness, injury, or death can quickly disrupt your finances or your family’s livelihood. However, the right cover keeps you on your feet. It helps replace potential lost income, cover medical costs, pay off debts, and provide security for your loved ones.
Whether it’s protecting your mortgage, covering everyday expenses, or planning for the unexpected, personal insurance gives you the confidence to focus on recovery, not money.
At OakView Financial, we offer tailored advice that reflects your life, goals, and budget.
Our Gold Coast advisors are fully licenced and genuinely care about helping locals protect what matters.
We won’t recommend you to any old insurance providers. Instead, we take a holistic approach to ensure the personal insurance you take out aligns with your broader financial plan.
We work with a client-first philosophy, which means we prioritise transparency, excellent service, and long-term support to help you find the right insurance coverage.
Gaining an insurance policy is arguably the simplest and easiest strategy to protect your assets. You are paying the insurance company a premium to take over part or all of the risk on your behalf.
From a personal or individual level, utilising a combination of life, trauma, total and permanent disability (TPD Insurance) and income protection insurance can protect you and your family in the event of an unexpected injury or sickness happening. In the worst-case scenario, life insurance will pay out a lump sum to your beneficiary(s) or estate to cover your mortgage, leave a legacy or help fund your loved ones' financial needs
Income protection cover insures you against the risk you cannot earn an income for a certain period due to illness or an injury. It does not apply to redundancies or if you are stood down.
With IP insurance, you are paid a % of your pre-tax income for the period specified in your policy. Some policies may have the feature or option to pay super contributions on your behalf whilst you are on claim. Receiving regular IP payments allows you to focus on getting over your illness or injury rather than having to worry about how to pay your bills.
IP insurance can be particularly important if you are self-employed, have large debts, or have a family or dependents who rely on your income. That is why it is a good idea to seek tailored insurance advice about it.
Running a business is hard at the best of times. So, the last thing you would want is an unexpected shutdown due to factors outside your control. Everything from a natural disaster like a flood or fire to theft can be devastating to your business.
Removing some of that risk by getting the right insurance advice could be the difference between closing your doors to clients forever and a small setback.
Life Insurance is to provide financial assistance to your dependents if you were to pass away. The aim is to replace the potential money you could have earned throughout your working life.
Generally, the need for Life Insurance will decrease with time, as we pay off debts and grow wealth over our working lives.
Life Insurance is especially important to a young family with a large debt, like a mortgage on the family home, as having it gives them good peace of mind.
Critical illness, also known as ‘trauma insurance,’ can pay a lump sum amount if you suffer a serious injury.
This includes but is not limited to; cancer, heart conditions, stroke, major head trauma or other serious debilitating injuries or illnesses.
Total and permanent disability (TPD) insurance pays a lump sum if you become permanently disabled due to an accident or illness and are unable to work again.
It can provide a valuable source of financial security to you and your family, and the benefits of helping to pay for your medical and rehabilitation costs.
We make personal insurance simple by providing clients with support at every step.
Here is the process by which our professional insurance brokers work:
Find quick answers to common questions using our helpful FAQs.
Personal insurance provides financial support through a lump sum payment or income protection if you experience a serious medical condition. Private health insurance covers hospital and medical treatment costs. Both offer unique benefits and can work well together as part of smart risk management strategies.
Yes, many insurance brokers offer bundled insurance solutions, such as combining critical illness insurance, life cover, or TPD with income protection. Bundling helps ensure you have the right coverage for most eventualities and provides better value.
This depends on your income, debts, and goals. Our Gold Coast team can help assess your needs and recommend the right insurance for the best outcome.
We offer tailored insurance for self-employed people. This includes coverage for business insurance, home insurance, or car insurance.
Income protection premiums are usually tax-deductible. However, others, like critical illness insurance and management liability insurance, may or may not be. We’ll help you discover what you can and can’t claim.
Our Gold Coast insurance brokers are always here to help. We diligently work to support customers through the claims process. We also go the extra mile to help them update, change or cancel their policy with major insurers.
Take the first step towards financial peace of mind. Fill in the contact form to receive your free investment advice consultation and start your journey towards a secure financial future.
We’re here to help. If you’re looking for something specific, send us a message and we’ll get back to you as soon as possible.