Life Insurance Advice for Australians — Based in Bundoora, Melbourne
We help Australians understand exactly what cover they need, structure it properly, and put it in place with confidence — based in Bundoora, serving all of Australia.
Most people know they should sort out their insurance. Most people haven't.
"I have some insurance through super — I think. I've never really looked at it."
"What if I'm paying for cover I don't need? Or worse — not enough for what I do?"
"I don't want to think about this. But I know I should."
"If something happened to me, I genuinely don't know if my family would be okay."
That last one is the thought most people push away. It is uncomfortable, so they avoid it — which means the risk stays exactly where it is, quietly unaddressed, while life keeps moving forward.
The problem is not that people do not care. The problem is that life insurance feels complicated, sales-driven, and easy to put off. And most people have no way of knowing whether what they have — if anything — is actually enough.
At Plan My Wealth, we start with one question: what would your family actually need if your income stopped tomorrow? We model that precisely — using institutional software — and build a cover structure around the real answer, not a generic estimate. No product push. No pressure. Just clarity about what you need and why.
The policy is the vehicle. Knowing your family is protected is the destination.
Relief from the 'what if' in the back of your mind
The moment you know your cover is right — that if something happened, the mortgage would be paid, the kids would be looked after, and your family could keep going — that anxiety goes quiet. That is what we are working toward.
Clarity on what you actually need
Using institutional modelling software, we calculate the precise financial impact of different risk events — death, disability, serious illness — on your cash flow, debt, and long-term wealth. This gives us a real number, not a rule of thumb.
Independent advice — no product agenda
We do not recommend a product unless it fits your situation. We compare policies from a range of insurers based on your specific needs, premium sustainability, policy definitions, and claims history. Your SOA discloses all costs and remuneration before you agree to anything.
Someone who stays across it as your life changes
A new mortgage, a growing family, a career change — all of these affect what cover you need. We review your insurance as part of our ongoing engagement, at intervals that make sense for your situation.
This service is for you if
You do not need to be facing a health scare to think about insurance. The best time to get the right cover is before you need it. If any of these apply, we should talk.
●You have dependants — a partner, children, or parents — who rely on your income
● You carry a mortgage and want to ensure it can be covered if something happens to you
● You are not sure whether the default insurance inside your super is sufficient
● You have insurance policies set up years ago that you have never reviewed
● You want independent advice — not a recommendation driven by commission
The gap between what most Australians have and what they actually need is significant
Australia's default life insurance system — the cover automatically enrolled through your superannuation fund — is designed to provide a base level of protection. For many Australians, it is not enough. For others, it may be more than they need, and they are paying premiums that reduce their super balance unnecessarily.
Good personal insurance advice is not about selling you the most cover. It is about calculating the right cover — the amount your family would actually need to maintain their lifestyle, pay off debt, and reach their financial goals if your income stopped, if you became permanently disabled, or if you were diagnosed with a serious illness.
We model these scenarios using institutional software, so your cover recommendation is based on a precise analysis of your situation — not a rule of thumb or a generic multiple of your income.
How We Work
Understanding Where You Are Now — and the Financial Impact if Something Happened
We assess your personal insurance needs based on your income, debt obligations, dependants, existing assets, savings, and financial goals. Using institutional modelling software, we quantify the financial impact of different risk events — death, disability, serious illness — on your cash flow, debt, and long-term wealth. This gives us a precise cover figure, not an estimate.
Existing Cover Review
We review any existing policies — including default cover inside your super fund — and identify gaps, overlaps, or policies that may no longer be fit for purpose. We flag any insurance that would be lost if you changed super funds before recommending any consolidation.
Cover Design
We recommend an insurance structure that addresses your needs across the relevant cover types:
• Life Insurance — lump sum payable on death or terminal illness
• Total and Permanent Disability (TPD) — lump sum if you become permanently unable to work
• Trauma / Critical Illness — lump sum on diagnosis of a specified serious medical condition, regardless of your ability to return to work
• Income Protection — ongoing monthly benefit (typically up to 70% of income) if unable to work due to illness or injury
Product Comparison
We compare policies from a range of insurers based on your specific needs, premium sustainability, policy definitions, and claims history. We do not recommend a product unless it fits your situation — full stop.
Statement of Advice
All recommendations are documented in a written SOA — including the rationale for the type and level of cover recommended, the products selected, and all associated costs and remuneration disclosures.
Application & Underwriting Support
We guide you through the application process, including medical underwriting — so there are no surprises at claim time.
Ongoing Reviews
Your insurance needs change as your life does — a new mortgage, a growing family, a career change, or a shift in your income can all affect what cover is appropriate. We review your insurance as part of our ongoing engagement, at intervals that make sense for your situation. There is no rigid schedule — reviews happen when they are needed, so your cover stays relevant.
What's Included
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Personal insurance needs analysis
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Institutional modelling of risk scenarios (cash flow, debt, wealth impact)
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Review of existing cover — including super-based insurance
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Recommendations: life, TPD, trauma, income protection
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Product comparison and policy selection
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Statement of Advice (SOA) with all costs disclosed
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Application and underwriting support
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Ongoing reviews
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General insurance — home, contents, car (referral available)
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Health insurance comparisons
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Business / key person insurance
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Workers' compensation advice
Hear From Our Clients
"My husband and I have been with Plan My Wealth since our retirement and have found all those we have had dealings with to be professional and friendly. They make us feel welcome and take the time to explain what we see as complex processes to make it easy to understand and follow. Great team."
"Highly recommend Manny, he was very knowledgeable and took time to explain everything so I could understand, he made me feel like a valued client rather than just a number."
"Working with Manny has been an excellent experience. He's professional, friendly, and takes the time to make complex financial matters easy to understand. His guidance has given me real confidence in managing my finances. I highly recommend him to anyone looking to take control of their financial future."
Serving All of Australia — Based in Bundoora, Melbourne
Plan My Wealth is based at The Watermans Bundoora, Level 2, 1/3 Janefield Drive, Bundoora VIC 3083. We provide personal insurance advice to clients across Bundoora, Mill Park, Epping, Lalor, Wollert, Reservoir, Preston, Heidelberg, Greensborough, Macleod, Montmorency, Eltham, South Morang, and Diamond Creek — and to clients throughout Australia via secure video consultation.