Insurance Advice

Planning for the unexpected is vital to a sound financial strategy.

Our approach

We provide guidance through tailored insurance advice to protect your family and assets.

At Donmont Capital, we help you understand the differences between all types of insurance products, ensuring you get the right coverage at the best value.

Group Cover vs Retail Cover

When it comes to protecting your future, understanding the type of insurance you have is crucial. At Donmont Capital, we help you navigate the two main types of cover: Group Insurance and Retail Insurance.

Group Insurance is often arranged through your superannuation fund and provides coverage for many individuals under a single, cost-effective policy. This “pooled insurance” offers affordability and convenience but may come with standardised features that might not fully meet your unique needs.
Retail Insurance, on the other hand, is personalised coverage you purchase directly from an insurance provider. It offers tailored protection based on your specific circumstances and is typically more comprehensive, though it comes at a higher cost.

Choosing the right insurance can make all the difference. Whether you’re looking for affordability or a tailored solution, understanding the benefits and limitations of your current cover is vital. Get in touch with us today to find out which option best suits your lifestyle and goals.

Occupational TPD

Total Permanent Disability makes up a very important part of an individual’s asset protection plan.

TPD provides coverage in the event of permanent inability to work due to injury or illness. There are two main types of TPD cover: Any and Own Occupation. Any Occupation TPD provides coverage if an individual is unable to work in any occupation which they are reasonably suited by education, training or experience. On the other hand, Own Occupation TPD provides coverage if an individual is unable to work in their specific job.

These different insurance definitions could make a massive difference if it ever came time to claim. Get in touch with us today to find out more about your insurance product and if it is suitable for what you need.

Insurance Product Strategies

Life Insurance: Financial Security for Your Loved Ones

Life Insurance provides a lump sum payment to your loved ones in the unfortunate event of your passing.

This ensures that your family can maintain their quality of life, cover essential expenses, and secure their financial future, even when you're no longer there to provide for them. Let us help you create peace of mind, knowing your family will be looked after in their time of need.

TPD Insurance: Support When You Need It Most

Total and Permanent Disability (TPD) Insurance offers critical support if an illness or injury leaves you unable to return to work permanently.

With a lump sum payment, TPD Insurance helps you adjust to new circumstances—whether it's covering medical costs, modifying your home, or ensuring ongoing financial stability. We’re here to guide you through securing the right level of protection for life's unexpected turns.

Income Protection: Keeping Your Life on Track

When illness or injury interrupts your ability to earn an income, Income Protection Insurance steps in with monthly benefits that cover a portion of your salary.

This ensures you can still pay bills, cover your mortgage, and meet day-to-day expenses while you focus on recovery. With Income Protection, your financial stability stays intact, even when you're unable to work.

Trauma Insurance: Peace of Mind During Recovery

A serious medical diagnosis can turn your life upside down. Trauma Insurance provides a lump sum payment if you’re diagnosed with a major illness such as cancer, heart attack, or stroke.

This financial safety net allows you to focus entirely on your treatment and recovery, without the added worry of how to manage medical bills or everyday expenses. Let us help you protect your health and financial wellbeing during challenging times.