Income Protection and personal risk insurance in the Northern Rivers

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Your peace of mind is our priority

At Saracens Financial Consultants, we understand the importance of protecting your wealth and securing your family’s future. As your financial situation evolves, ensuring that you and your loved ones are protected against unexpected events such as illness, injury or death becomes crucial. Our insurance consultation services in the Northern Rivers are designed to help you identify and address potential risks.


We work with you to assess your personal and financial circumstances, understanding the specific risks that could impact your family’s lifestyle if something unforeseen happens. Whether it’s covering debts or maintaining day-to-day expenses, our tailored strategies focus on ensuring your family remains financially secure, even in challenging times.


Through a comprehensive analysis of insurance providers, we find policies that offer the best protection at competitive prices. By reviewing the market, we help you make informed decisions, safeguarding the financial security you’ve worked hard to build.


Contact us today at (02) 6628 8355. In addition to providing insurance consultations in the Northern Rivers, we offer advice pertaining to superannuation, investment, estate planning and much more.

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Our Advice

Our financial advisors in the Northern Rivers will ensure you receive support and guidance on the following:


Total & Permanent Disability (TPD) Cover


We provide tailored advice on selecting the right cover to ensure you're financially supported if you're unable to work due to a permanent disability. Our team assesses your personal circumstances, identifying the amount of cover you’ll need to protect your lifestyle and future. We also review policy options to ensure you receive comprehensive protection at a competitive price.


Trauma Cover


Our advisors help you understand the benefits of trauma cover, which provides a lump sum payment in the event of a serious illness or injury. We assess your unique needs and financial commitments, recommending the right level of cover to protect your financial stability during recovery. With our guidance, you can choose a policy that offers the best protection for you and your family.


Income Protection Cover


We offer informed advice on income protection cover to help ensure your regular income continues in case you’re unable to work due to illness or injury. Our team evaluates your financial obligations and recommends a policy that matches your lifestyle and income requirements. We also guide you through comparing different providers, so you get the best possible cover for your needs.


Reach out to us today to discover how we can formulate a strategy for your unique circumstances.

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A Woman Is Sitting In A Chair With A Clipboard In Front Of A Couple — Saracens Financial Consultants In Alstonville, NSW

Frequently Asked Questions

  • What factors should I consider when choosing Income Protection Insurance?

    When choosing income protection insurance, consider the waiting period (the time before payments start), the benefit period (how long payments continue) and the percentage of your income covered. It’s also important to check policy exclusions, premium costs and whether the policy covers your specific occupation. Tailoring the policy to suit your financial situation and lifestyle is key to ensuring you have the right protection when you need it most.

  • How long does Income Protection insurance pay out?

    Income protection insurance typically pays out until you’re able to return to work or until the end of the policy’s benefit period, whichever comes first. Benefit periods can vary, with common options being two years, five years or until you reach a certain age, such as 65. Choosing a benefit period that aligns with your financial needs and recovery time is crucial for adequate protection.

  • Can I claim multiple insurance policies at the same time?

    Yes, in most cases, you can claim on multiple policies, such as life, TPD and income protection, if you meet the criteria for each. For example, if you are permanently disabled and have both TPD and income protection insurance, you could receive a lump sum from the TPD policy and ongoing payments from income protection. However, it’s important to check the specific terms and conditions of each policy to understand how they work together.

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