Insurance, Risk & Wealth Protection
Protecting What Matters Most
Whether you’re protecting your family, safeguarding business continuity, or preparing for the unexpected, our approach is both strategic and personal. At Hewison Private Wealth, we understand that true financial independence is not just about building wealth, it’s about safeguarding it. That’s why our personal insurance and risk management strategies are designed to protect your income, assets, and loved ones, no matter what life may bring. Too many Australians are underinsured leaving their families vulnerable in the event of death, disability or serious illness.
Our Risk & Insurance Advisers work closely with you to ensure your cover is appropriate to your needs, both now and as they evolve over time.
Insurance advice with a difference.
Our insurance and risk strategies are tailored and bespoke with independence at the heart of our advice. This means we are not tied to any one insurance provider, we do not accept insurance commissions from companies, rather we refund these commissions to you and charge a fee for our insurance advice. This is unique in an industry otherwise dominated by commissions. This fee-for-service model allows us to provide unbiased recommendations on the policies and levels of cover appropriate for you.
With this comes diligence, care and integrity, we build long-term partnerships and scale your insurance coverage up or down to reflect your financial responsibilities and life stage. We listen with care to understand what your needs are with a deep commitment to building a long and true partnership with you. We hold our clients’ hands and manage the claims process; because this is when we’re needed the most. We advise across a full spectrum of insurance types including:
Insurance Built Around You
Income Protection
Your earning potential is your greatest asset. Should illness or injury prevent you from working, income protection insurance ensures your financial goals stay on track. We advise on policies that align with your income structure, career trajectory, and financial obligations.
Life Insurance
Life insurance provides financial peace of mind for your loved ones. We advise on the right structure, sum insured, and ownership arrangements to align with your estate planning goals and wealth strategy.
Trauma Insurance
Should a serious illness strike, trauma insurance provides fast, flexible access to funds so you can focus on recovery, not finances. We guide you through the most appropriate options based on your family history, age, and health profile.
TPD Insurance
In the event of serious injury or illness, TPD (Total & Permanent Disability Insurance) provides a lump sum payment to assist with ongoing living costs, debt repayments, and lifestyle adjustments. We ensure your cover is appropriate, and your policy definitions match your occupation and lifestyle.
For business owners, protecting the value and continuity of your enterprise or business is critical. Our team provides expert advice on Buy/Sell and Key Person Insurance, ensuring your business can withstand the unexpected.
Buy/Sell Insurance
A well-structured buy/sell agreement, supported by insurance, ensures a smooth transfer of business ownership if a partner or shareholder dies or becomes permanently disabled. We advise on the right cover, policy ownership structure, and funding mechanisms to avoid financial stress or disputes—so your business remains stable and your interests protected.
Key Person Insurance
Key person insurance provides a financial safety net if a critical team member—such as a founder, executive, or lead revenue generator—suffers serious illness or death. The lump sum payout can help cover lost revenue, hire temporary replacements, or pay down debts to maintain business confidence and cash flow.
As always, our advice is independent and bespoke. We work closely with your accountant, lawyer, and business partners to ensure your cover integrates seamlessly into your broader succession and risk management strategy.