Services
Personal insurance is about outsourcing risk, protecting your income, wealth, and family from life’s unexpected events. It safeguards your ability to earn and preserves your lifestyle when things don’t go to plan. At Khaw Wealth Consulting, insurance is a strategic decision, integrated into your broader financial roadmap, not a standalone product.
Before recommending any insurance product, we focus on building a clear protection strategy.
This includes:
Our role is to help you understand your options clearly, so protection decisions are made with confidence – not fear.
We provide advice across a full range of personal insurance solutions, structured to suit your circumstances and financial roadmap.
Life insurance provides financial support to your family if you pass away, helping protect:
The purpose is simple: to ensure your family can maintain stability during an already difficult time.
TPD insurance provides a lump sum payment if illness or injury permanently prevents you from working again.
It can help:
We carefully assess TPD definitions and structures to ensure cover reflects your occupation and real-world risks.
Your income is often your most valuable financial asset.
Income protection insurance helps replace a portion of your income if you are temporarily unable to work due to illness or injury – supporting:
We advise on both new and legacy income protection policies, ensuring cover remains appropriate, sustainable, and aligned with your broader financial strategy.
Crisis insurance provides a lump sum payment upon diagnosis of serious medical conditions such as cancer, heart attack, or stroke.
This can be used to:
Its flexibility allows you to focus on recovery – not finances.
Disability insurance provides financial support when illness or injury impacts your ability to work.
It helps manage:
This form of cover plays an important role in maintaining financial stability during uncertain periods.
We are accredited with multiple life insurance providers across Australia and have access to a broad panel of insurers where required.
When selecting insurance solutions, we consider:
We also take time to educate you on how insurance works inside and outside superannuation, so you understand the trade-offs clearly.
Beyond policy recommendations, we also assist with:
These elements ensure your protection strategy remains practical and aligned with real-life outcomes.
Insurance decisions are always made within the context of your full financial picture.
We consider:
This ensures protection strengthens your financial position – rather than creating unnecessary complexity.
We begin by understanding your personal, family, and financial circumstances – and what needs protecting.
We review existing cover, assess risk exposure, and determine the most appropriate protection strategy – including self-insurance where suitable.
We provide clear, practical recommendations and guide you through implementation with full transparency.
As your life, finances, and legislation change, we review your insurance to ensure it remains effective and relevant.
No. The right mix depends on your income, family responsibilities, debts, and long-term goals.
In some cases, yes. We explain the advantages and limitations so you can make an informed decision.
Yes – particularly where income protection, TPD, and business-related protection is required.
Regular reviews are essential, especially after major life or financial changes.
Fees vary depending on the scope of advice and are always explained upfront.
12+ years’ experience
in financial planning and insurance advice
30 years of professional
background across finance, business, and accounting
Strategy-first approach
- not product driven
Integrated advice
across insurance, superannuation, investments, and lending
Clear, down-to-earth guidance focused on real-life outcomes
We don’t just arrange insurance—
we help you protect your lifestyle, your wealth, and your future with confidence.
Let’s design a personal insurance strategy that supports your financial roadmap and gives you peace of mind – no matter what life brings.
Speak with Alan and take the next step toward long-term security.
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