Our Services


Insurance is vital for protecting the things we love or value. Underlying any financial plan or investment plan is cashflow.  If life throws something at you and it changes your cashflow or income, then there is a risk that your other financial plans will be affected. 

Protection of your income or cashflow is critical to the success of any financial plan.  At Total Wealth we can look at the different Insurance options, for protecting you and your family rain or shine. 

Total Wealth wants to give you peace of mind.  We will help you to identify and quantify the risks to ensure we find the right solution for you. We utilise independent research along with our analysis. We want to ensure if you have to claim then you are armed with suitable insurance.


Personal Insurance that we provide advice on


Life Insurance
Ensuring you and your loved ones will be financially sound after your death or if you are struck down by a terminal illness. Life insurance will allow your dependents to pay off debts, cover funeral costs or provide ongoing living expenses for your loved ones.

Total and Permanent Disablement Cover
If you were to become totally and permanently disabled, this insurance will pay a lump sum you can use for any purpose. Most people use it to pay off the mortgage or for home alterations or medical expenses. A permanent disability can often be more financially devastating than death.

Income Protection
Your income is your most important asset. If your income stopped today how long could you survive on savings before it became a problem.  Income protection is a good idea as it pays a regular income that could help pay your daily living costs.

Trauma Cover (Serious illness)
This pays a lump sum if you suffer a heart attack, stroke, cancer or a number of other serious illnesses. The impact of a serious illness can have a major effect on family finances.

We would love to be able to help you reach your financial goals