At RAI Financial Services, protecting what you’ve built is just as important as building it. As independent insurance brokers based in Castle Hill, we assess your situation, explain your options clearly, and arrange the most appropriate cover across a range of insurers — not just one.
An insurance broker works for you, not for the insurer. We’re required by law to act in your best interests, which means we recommend cover based on what you actually need. We deal with insurers on your behalf, keep your policies up to date as your circumstances change, and support you through claims if things go wrong.
Life insurance provides a lump sum payment to your family or nominated beneficiaries in the event of your death. It can be used to pay off a mortgage, replace lost income, fund children's education, and cover final expenses.
If illness or injury stops you from working, income protection replaces up to 70% of your income during your recovery. For most working Australians — particularly those with a mortgage or dependants — income protection is one of the most important policies you can hold.
TPD insurance provides a lump sum if you become permanently disabled and unable to work again. It can be held inside or outside superannuation, and the right structure depends on your personal and tax circumstances.
Also known as critical illness cover, trauma insurance pays a lump sum on diagnosis of a specified serious illness such as cancer, heart attack, or stroke — regardless of your ability to work.
Business owners face unique risks. We arrange key person insurance, business interruption cover, public liability, professional indemnity, and asset protection — tailored to the specific risks of your industry and business structure.
In most cases, brokers are paid a commission by the insurer when they arrange a policy for you. We’re always transparent about how we are remunerated.
Many Australians have default life insurance through super, but the level of cover is often insufficient — particularly if you have a mortgage or dependants. We can assess whether your existing cover is adequate and help you top it up if needed.