Castle Hill’s Financial Advisor for Life Insurance

Need a financial advisor for life insurance who can quantify the real dollar risk on your mortgage, partner and kids—and structure cover inside or outside super with clear trade-offs? That’s precisely what we do for Castle Hill households and SMEs. We act as your life insurance financial advisor, modelling sums insured, policy ownership, beneficiary design and premium trajectory so the cover remains affordable over time.

Why Choose Roccaforte for Life Insurance Financial Advice

  • Strategy before product. We start with your debts, living costs and goals, then choose a policy that fits the plan.
  • Super vs non-super made simple. We compare cash flow and tax effects and flag that super funds can cancel cover if your account is inactive or the balance is low—so you don’t get a shock later.
  • Clear on cover types. Life cover (death/terminal illness), TPD, trauma and income protection—what each does and when it’s worth paying for.
  • Paperwork, done properly. You’ll get documents that explain the advice and costs (Financial Services Guide, Statement of Advice, and the product’s disclosure booklet).
  • Help when it matters If something goes wrong, we help you lodge and manage the claim, coordinate with the insurer or your super fund’s trustee, and keep the process moving so benefits are paid to the right person, as quickly as possible.
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Our process

We apply a structured, evidence-led approach to life insurance financial advice in Castle Hill.

  1. Quick discovery (30–45 minutes). Family setup, debts, income, any existing cover, and what you want to happen if something goes wrong.
  2. Right-size the cover. We total the lump sum your family or business would need, subtract available assets/cover, and land on a realistic amount.
  3. Choose how to hold it. Compare paying via super or from your bank account, who owns the policy, and who receives the payout.
  4. Apply with fewer surprises. We prepare your application so medical/occupation questions are handled cleanly, reducing the risk of extra charges or exclusions.
  5. Review each year. As your loan balance, income and family needs change, we adjust the cover (and premiums) rather than letting it drift.

Who we help

  • Young families with mortgages (28–49). Highest need for life + TPD.
  • SME owners/partners (30–55). Personal protection plus key-person/buy–sell for continuity.
  • Professionals with default cover in super (30–50). Often under- or mis-structured; we tidy ownership, beneficiaries and funding.
  • Young singles with no debt/dependants. Often better value to focus on income protection/trauma (we’ll say so if that’s you).
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Hear from our clients

Frequently Asked Questions

What cover types should I consider?

  • Life cover: pays a lump sum if you die or are diagnosed with a terminal illness.
  • TPD: pays if you’re permanently unable to work.
  • Trauma: pays on serious illnesses (e.g., cancer, heart attack).
  • Income protection: replaces part of your income if you can’t work for a while.

“Accidental death” only pays for accidents—not illness—so it’s rarely enough on its own.

Should I hold life insurance inside or outside super?

  • Inside super: premiums can be easier on cash flow, but they reduce your retirement savings and the fund can cancel cover if the account sits idle or the balance is low.
  • Outside super: more control over beneficiaries and features, but premiums come from your bank account.

We’ll show the dollars both ways and recommend the simpler path.

How much cover do I need?

Start with debts and the years of household costs you’d want covered, minus any savings and existing insurance. We’ll do the maths and show you the result in today’s dollars.

Are premiums tax-deductible?

Usually income protection premiums (you pay personally) are deductible. Life/TPD/trauma generally aren’t for individuals. We’ll flag where super fund rules differ and suggest you confirm with your tax adviser.

Book a Consultation

Click on the link below to arrange a complimentary initial consultation.

Book Consultation Call (02) 9894 1844

Contact Us

Send us a message using the form to the right, or get in touch with us via any of the methods below.

Book Consultation

(02) 9894 1844

michael@roccaforte.com.au

5 / 15 Terminus St Castle Hill NSW 2154
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Opening Hours
9:00am–5:00pm, Monday to Friday

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