Protecting What Matters Most
At Hewison Private Wealth, we understand that true financial freedom 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 and insurance advisers work closely with you to ensure your insurance cover is appropriate to your needs—both now and as they evolve over time. From young professionals to seasoned investors, we tailor coverage to reflect your financial responsibilities and life stage.
We advise across a full spectrum of insurance types including:
Independent Advice. Tailored Strategies.
Our independence is your advantage. Unlike many advisers, we are not tied to insurance providers and do not accept commissions. Instead, we operate on a transparent, fee-for-service model—meaning our advice is 100% aligned to your best interests, not product incentives.
With diligence, care, and integrity, we build long-term partnerships with our clients, offering guidance throughout your life journey—not just when policies are put in place.
This model allows us to:
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.
Total & Permanent Disability (TPD) Insurance
In the event of serious injury or illness, TPD 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.
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.
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.