INSURANCE
Why Insurance matters?
Protect what you've worked hard to build.
Insurance isn’t just a safety net—it’s peace of mind. Whether it’s life, income protection, or total and permanent disability (TPD) cover, the right insurance ensures your family, lifestyle, and financial future are secure if the unexpected happens.
But with so many products and providers out there, choosing the right cover can feel overwhelming. That’s where we come in.
Smart protection starts with smart planning.
We specialise in Life insurance, Total and Permanent Disability insurance, Trauma insurance and Income Protection insurance covers.
How can we help:
Tailored advice, from research to results.
At Prosper Financial Planning, we take the guesswork out of insurance. Our process is designed to give you clarity, confidence, and control:
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We assess your financial situation, goals, and risks to determine how much cover you actually need
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We research and compare policies across multiple providers to find options that suit your needs and budget
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We guide you through the application process—from paperwork to policy issuance—so nothing gets missed
No pressure, no jargon—just expert advice that puts your needs first.
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The Insurance Gap in Australia
Most Australians are underinsured—and don’t even know it.
Studies show that over 80% of Australians don’t have adequate life or income protection cover to support their families if something goes wrong.
And yet, the financial impact of illness, injury, or death can be devastating:
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The average Australian household would struggle to cover expenses after just 3 months without income
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Medical costs and mortgage repayments can quickly erode savings
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Families often rely on GoFundMe campaigns or sell assets to stay afloat
Don’t leave your future to chance. We’ll help you get the right cover—without the overwhelm.
