Everyone understands how important it is to be properly insured. We insure our cars, homes and
other valuable possessions, but. . . . . have you insured your most important assets -
your family, your business, your ability to earn income, your life?

Our services can be broken down into the following areas:

 See below to find out more, or email us at admin@wheelerfinancial.com.au


Finance Solutions

We are now able to assist you with a professional Mortgage and Finance Service.

Alonside the major banks, we also have access to other lenders who specialise in different scenarios and circumstances.

In most cases we've been able to achieve significant savings with added client benefits. If at any stage we can assist yourself, family  or friends in providing a few options, we're only an email or call away.

Financial Solutions we offer include:

  • Home Loans & Refinancing
  • Debt Consolidation
  • Credit Impaired
  • Self Employed
  • Motor Vehicle



Life Insurance


 Life insurance is designed to pay a lump sum benefit on the death of the life insured.

In many circumstances life insurance can be "deemed/written" via superannuation. The cost is no more or no less, you don't receive any funds at retirement but premiums, in most cases will be tax deductible for self employed people (certain conditions apply, contact our office for further information). Premiums may also qualify for the Government's Co-Contribution Scheme via superannuation.

When calculating the amount of life cover you will need, debt clearance and lump sums that can be invested to replace your loss of income are important considerations. The lump sum can be invested to provide a future income stream for your dependants to meet future expenses

As a general rule of thumb if you allow for clearing all debts and a further amount of 10 times your annual salary this should provide a level of security for your dependants. (this amount will vary depending on your individual circumstances)
If you are self employed or a director of your own company, the life policy could be structured in a way that allows you a tax deduction on premiums.

Life insurance can also be used to provide funding for business partners or directors to purchase the shares of co directors or partners on their death. You can also use life insurance to insure key people in your business who's death would have a detrimental financial effect on the company.

Income Protection

Income protection insurance is designed to replace your income if you become injured or sick and cannot work.

Income protection is particularly important as your ability to earn an income is probably the most valuable asset you have. If you were to be injured or get sick and were unable to work for several years, how would you meet your monthly commitments like mortgage repayments, bills and other expenses.

The premiums you pay for this type of insurance are tax deductible to the owner of the policy as an individual or company. You can insure a maximum of 75% of your income although some insurance companies provide booster payments or additional amounts on certain claims that will increase this percentage.

  • Business Expense Cover
    Business expense cover provides a monthly benefit to reimburse certain business expenses if you are unable to work because of injury or sickness. The type of expenses covered include, rent or mortgage payments, rates & taxes, leasing costs of business equipment, salaries of employees not generating business income, accounting fees, etc.

Trauma Insurance

Trauma or Critical Illness insurance pays a lump sum benefit in the event of a major listed medical ailment.

This type of policy is designed to assist with medical expenses associated with the trauma and other costs you may have to pay. It can also provide the funding to pay off any debt and provide a lump sum to cover the shortfall with income protection as you can only insure a maximum of 75% of your income.

Some of the trauma /critical illnesses covered include, Heart Attack, Cancer, Blindness, Deafness, Major brain surgery, Major burns, Major organ transplant, Multiple Sclerosis, Muscular Dystrophy, Parkinson's Disease, Paralysis, Stroke etc. The complete list of trauma's covered is available in all product disclosure statements that are provided by the insurance companies