Expert Life Insurance Advice Adelaide

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Life Insurance Adelaide

Choosing the right life insurance is an important step in protecting your family, income and long-term financial security. At Money Path, we provide clear, personalised life insurance advice for Adelaide individuals and families, helping you make informed decisions with confidence.

Our Adelaide-based advisers take the time to understand your personal circumstances, financial commitments and future goals. We take a holistic view, providing tailored advice across Life Insurance, Total and Permanent Disability (TPD), Income Protection and Trauma cover to ensure your protection is appropriate, practical and aligned to your stage of life.

Life insurance forms a core part of your broader financial plan. Our advice considers your income, debts, superannuation and long-term objectives, so your cover supports your overall strategy. With local expertise and ongoing support, we help Adelaide clients put the right protection in place for peace of mind.

Insurance solutions we advise on

Life Insurance

Life insurance is designed to provide financial support to your family or dependants in the event of your death. For many Adelaide households, life insurance plays an important role in helping cover living expenses, outstanding debts and future financial obligations. Our advisers provide tailored life insurance advice in Adelaide, ensuring cover is appropriate to your family situation, financial commitments and stage of life..

Total and Permanent Disability (TPD) Insurance

TPD insurance is intended to provide financial support if you suffer an illness or injury that prevents you from returning to work in a permanent capacity. This type of cover can assist with ongoing living costs, debt obligations and long-term financial stability. Our Adelaide-based advisers assess whether TPD insurance is appropriate based on your occupation, income structure and overall financial position

Income Protection Insurance

Income protection insurance focuses on replacing a portion of your income if you are unable to work due to illness or injury. For many professionals, business owners and families in Adelaide, managing cashflow risk is a critical part of financial planning. Our income protection advice in Adelaide considers affordability, benefit structure and how cover fits within your broader financial strategy.

Trauma/Critical Illness Insurance

Trauma insurance, also known as critical illness cover, provides a lump sum benefit if you are diagnosed with a specified serious medical condition. This cover can support medical expenses, recovery time and financial flexibility during periods of illness. Our advisers consider trauma insurance as part of a broader protection strategy, ensuring it complements other insurance and financial planning arrangements.

Who should consider this advice?

This advice is for individuals and families who want certainty that they have the right level of insurance cover in place if something goes wrong.

It is particularly relevant if you:

rely on your income to meet everyday living costs, including mortgage repayments, rent, or other ongoing debts;
have a partner, children, or others who depend on you financially;
are self-employed or running a business without employer-provided safety nets; or
are unsure whether your current insurance would adequately support you or your family in the event of illness, injury, or death, including the ability to service loans or maintain your lifestyle.

We provide tailored advice to help ensure your cover is appropriate for your personal circumstances.

Transform Your Financial Future Today

Partner with MoneyPath for tailored strategies and expert guidance to achieve your financial goals.

Our life insurance advice process

Understand Your Needs & Situation

Our life insurance advice starts with a consultation to discuss your finances and goals, allowing us to tailor a personalised insurance plan for you.

Tailored Advice & Policy Recommendations

Money Path offers personalised life insurance advice based on your financial needs analysis. We recommend coverage options tailored to your situation for better financial security.

Ongoing Support & Policy Reviews

Money Path offers support with regular life insurance reviews. As your needs change, we ensure your coverage remains suitable, providing peace of mind and protecting your family’s financial future.

Why choose Money Path for life insurance advice in Adelaide?

Adelaide Based Life Insurance Experts

Money Path, based in Adelaide, offers experienced financial advisors specialising in life insurance. We understand the local market and provide tailored advice to meet your unique needs and financial goals.

Client-Focused Approach to Financial Security

Money Path prioritises your needs with a client-focused approach. We are committed to understanding your financial situation to provide personalised life insurance advice in Adelaide, ensuring you feel secure in your financial protection.

Strategic Insurance Advice for Maximised Security

Money Path helps you make informed life insurance choices with strategic advice on coverage. Our goal is to maximise your financial security and protect your loved ones in Adelaide.

What our happy clients say

Jeremy W.

I couldn’t be more impressed with the service and expertise provided by Harry. From our first meeting, they took the time to understand my financial goals and created a personalized plan that made me feel confident and in control of my future. He explained everything clearly, answered all my questions with patience, and provided valuable insights I hadn’t considered before. Whether it’s investments, retirement planning, or budgeting, I feel like I’m in great hands. Financial planning and advising has been made easy and straight forward with Harry being so open, transparent and honest about my situation itself. I truly appreciate his professionalism, transparency, and genuine care for my financial well-being. Highly recommend to anyone looking for trustworthy and knowledgeable financial guidance!
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David T.

We have been dealing with Harry for several years now. He has always been very thorough & professional with the advice he has provided us & we look forward to working with him in the years ahead. An absolute pleasure to deal with.
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Julie G.

Harry is extremely thorough with his preparation and offers great financial advice.
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Grantly A.

Thanks Harry. Your advice is always sound, and has made financial sense. Wouldn't trust anyone else.
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Trudi V.

Harry has been our financial adviser for a number of years. He has made our transition to retirement seamless and our super has grown substantially due to his recommendations. It is a comfort to have someone with Harry's knowledge to guide us in making sound decisions.
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Marie H.

We have known Harry Hagias for several years as he was our financial advisor at NAB. He was always informative regarding our finances and investments. As we trusted him implicitly, when he moved on from the bank, we followed him. We find him approachable and trustworthy. Consequently we are more than happy with his services and advice.
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Pete H.

Harry is the experienced professional you should seek to manage your investments and your future financial aspirations. Harry has the industry knowledge to set out all the options in a calm, honest and plain language manner that provides investment confidence. We consider Harry an authentic expert and value his insights, integrity and the personal attention to our discussions. Money Path is highly recommended and should be your financial investment first choice.
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Michael C.

Harry has been looking after my wife and my financial affairs for many years. He is a consummate professional and has assisted our super growth in since rolling it over after retirement.
He is thorough and fees are very competitive. He regularly organises meetings with us at our residence which we find much easier than heading into town.
I can ,with hand on heart ,thoroughly recommend Harry to anyone looking for a long term professional financial planner .
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Michael S.

I am totally at ease with Harry Hagias as my Senior Financial Advisor. He explains everything at a level that sits comfortably with me. His recommendations and reasons for adjustments to my portfolio are walked through in an absolute transparent manner in my Record of Advice that I take away with me at the end of the day. It's so reassuring to know that my goals and objectives are being achieved and met with what I must say is a very modest annual advice fee to match.
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Life Insurance Advice FAQs

Why is Life Insurance Important as Part of Financial Planning?

Life insurance provides crucial financial security for loved ones upon your passing, covering debts, living costs, and education, safeguarding your family’s financial future.

How Much Life Insurance Coverage Do I Need?

The amount of life insurance you need depends on your situation. This includes your financial obligations, income, debts, and family size. To find the right level of coverage, a financial needs analysis is key. Money Path offers this analysis to assess your specific circumstances and insurance needs.

What are the Different Types of Life Insurance Policies Available?

There are several types of life insurance policies available. These include term life insurance, whole life insurance, and trauma insurance. Each type meets different needs and financial goals. Term life, whole life, and trauma policies provide various benefits and features. The best choice depends on your individual needs and financial objectives. Careful consideration of your unique circumstances is key when choosing a life insurance policy.

What is Total and Permanent Disability Insurance? (TPD Insurance)? And Why Do I Need to Consider TPD Insurance?

Total and Permanent Disability (TPD) insurance pays a lump sum if you become totally and permanently disabled and unlikely to ever work again. TPD insurance is important to consider as it can provide funds to pay off debts, cover living expenses, and ensure financial security if you can no longer earn an income due to disability. This can offer significant peace of mind for you and your family.

What is Income Protection Insurance? And Do I Need Income Protection Insurance?

Income Protection insurance replaces a portion of your income if you can’t work temporarily due to illness or injury. If you rely on your income to meet your expenses, Income Protection is vital as it acts as a safety net, providing ongoing payments to help you maintain your lifestyle and cover bills while you recover. It’s especially important for those with dependents or debts.

What is Trauma/Critical Illness Insurance? And Do I Need Trauma/Critical Illness Insurance?

Trauma or Critical Illness insurance provides a lump sum upon diagnosis of a serious illness or traumatic event like heart attack or cancer. While health insurance covers medical costs, Trauma insurance is valuable because it provides funds to manage the financial impacts of serious illness, such as out-of-pocket costs, debt reduction, and lifestyle adjustments during recovery. This can reduce financial stress during a challenging time.

Can I buy Insurance Through my Super fund?

Most super funds offer insurance options to their members, including life, total and permanent disability (TPD), and income protection insurance. However, it is important to compare super insurance to policies outside super as cover types, benefit amounts, and flexibility can differ, and it’s crucial to ensure it adequately meets your individual needs. Seeking advice is recommended to determine the best option.

How Does Financial Advice Help in Choosing a Life Insurance Policy?

Financial advice is crucial when picking a life insurance policy. It offers expert help to navigate the many options available. A financial adviser, like Money Path, can clarify policy features and ensure you get good value. They also help align your life insurance with your financial goals. By getting professional advice, you can make informed choices and find the best life insurance for your needs.

What Factors Affect the Cost of Life Insurance Premiums?

Several factors can affect your life insurance premiums. These include your age, lifestyle, health conditions, the type of policy, and the coverage amount you select. Understanding these elements helps you make informed choices about your insurance plan. It also allows you to manage your life insurance costs better. By considering these factors, you can find affordable life insurance that meets your needs.

How Often Should I Review My Life Insurance Coverage?

Review your life insurance coverage regularly. Pay special attention during significant life events that could affect your finances. Key moments like marriage, having a child, or changes in your financial situation are good times to reassess your coverage. This helps ensure it stays adequate. Ongoing reviews make sure your life insurance meets your changing needs and offers proper wealth protection.

Can Life Insurance Be Integrated with My Estate Planning?

Yes, life insurance works well with estate planning. It helps protect your wealth and legacy. When you structure your life insurance policy to match your estate goals, your assets are managed as you wish. This also gives financial security to your beneficiaries. Combining life insurance with estate planning is a smart way to manage your finances.

Why Choose a Financial Advisor Over Buying Life Insurance Directly?

Choosing a financial adviser like Money Path instead of buying life insurance directly means you get personalised advice. This advice is tailored to your needs and financial situation. Financial advisers offer unbiased recommendations and perform detailed financial needs analyses. They also provide ongoing support and policy reviews. This maximises your financial security and peace of mind. A financial adviser will act in your best interest to find the best insurance solutions for you.

Transform Your Financial Future Today

Partner with MoneyPath for tailored strategies and expert guidance to achieve your financial goals.