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Risk insurance

When injury, illness, or unexpected loss happens, the right insurance ensures you or your loved ones aren’t left financially exposed. It allows you to focus on recovery, not repayments. Risk insurance helps protect your career and your family, not just from today’s challenges, but from what tomorrow might bring.

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Risk insurance gives you peace of mind, no matter what life throws at you.

Here’s how we help you put the right protection in place:

Income

Protect your income if you can’t work
Income protection helps cover lost earnings due to illness or injury, so you can continue to meet your financial commitments while you recover. 

Support

Support your family’s future
Life insurance pays a lump sum to your beneficiaries, helping your loved ones maintain their standard of living if you pass away unexpectedly.

Illness

Plan for serious illness
Trauma cover provides a lump sum payment if you’re diagnosed with a major illness such as cancer, stroke, or heart disease, easing financial pressure during treatment and recovery.

medical

Prepare for permanent incapacity
TPD (Total and Permanent Disability) cover supports you financially if an illness or injury leaves you unable to ever return to work. 

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Secure your business continuity
Policies like key person cover or buy sell agreements help protect your business if you or a partner can no longer be involved due to illness, injury, or death.

Cover

Tailor your cover to your life
We take your lifestyle, financial goals, family structure, and future plans into account, ensuring your insurance works for you, not just in theory but in real life.

Let's build the right plan for you.

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What you can protect with the right structure:

  • Income
  • Mortgage and living expenses
  • Your children’s education
  • Your partner or family’s financial future
  • Business continuity
  • Ownership transitions (buy/sell agreements)
  • Key person risk in your business

We've got you covered

Our advisors are accredited with all major retail insurers to ensure we can recommend and tailor the most suitable policies.
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AMP
Asteron Life
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OnePath

Let’s build your
success together.

Get in touch to talk through your options clearly, calmly, and with your best interests in mind.

Book A Consultation

Get it super right:

  • Make informed decisions that grow your retirement savings
  • Understand fees, performance, insurance and contributions
  • Align your super strategy with your overall financial goals
  • Minimise tax on contributions and investment earnings
  • Choose the right fund or structure based on your needs
  • Stay compliant and confident with regulatory requirements
  • Use super as a wealth-building tool, not just a savings account
  • Maximise contribution opportunities while staying within limits
  • Plan for retirement on your terms

Our superannuation specialists help you understand what you have, what’s possible, and what changes will make the most impact.

Meet the head of the finance department:

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dean.menzies@cutcher.com.au

1800 988 522

Partner

Dean Menzies

BBus, Dip FP, Cert IV Finance Broking, MFAA Full Member

Dean specialises in providing finance solutions for our clients, including home loans, investment loans, refinance, commercial loans and specialised lending for certain professions.

Dean’s background in financial services includes around twelve years in private banking in Sydney and Newcastle which involved managing the lending & wealth requirements of high net worth individuals & families.

Dean’s experience enables Cutcher & Neale Finance to establish an independent, dedicated and specialist approach to our clients ongoing finance requirements.

Frequently Asked Questions

Not at all. Risk insurance is just as important for families and individuals. If anyone relies on your income, including you, having protection in place is key.
Yes, many policies can be bundled or structured together under one strategy. We’ll help you tailor a plan that fits your lifestyle and financial goals.
Some super funds include basic cover, but it may not be enough or the right type. We’ll review what’s already in place and advise on any gaps.

Any time your life changes. For example, if you’re buying a home, starting a family or launching a business, your insurance should be reviewed. We recommend an annual check-in to make sure it still aligns with your needs.

Risk insurance focuses on protecting people, your life, your income, and your ability to work. General insurance covers physical assets like property, vehicles, and equipment.

Contact Us

Let’s talk. Your next step starts here.

1800 988 522

Sydney
Suite 1.03, Level 1, 100 Pacific Highway,
North Sydney 2060, Australia

Melbourne
Level 8, 60 Albert Road,
South Melbourne, VIC 3205, Australia

Brisbane
Suite 5, 36 Agnes Street, Fortitude Valley,
QLD 4006, Australia

Newcastle
Level 3, 130 Parry Street,
Newcastle West, NSW 2302, Australia

Ready to take the next step? We’re here to help you move forward with comfort and clarity.

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