Personal insurance advice — protect your family, income and plans

Life Insurance, TPD, Income Protection and Trauma/Critical Illness — explained in plain English and tailored to your needs. Serving families and professionals across Melbourne and regional Victoria.

Book in 60 seconds. We’ll contact you within 1 business day.

Local team with 350+ years’ combined experience. AFSL/ACL details in footer.

Who is this for?

Families and “mums and dads” who want to protect the household if something happens
Professionals who rely on their income and want cover that actually pays when needed
Mortgage holders who want to safeguard repayments
Pre‑retirees reviewing cover as super and life priorities evolve
Anyone unsure what cover they have through super and whether it’s enough

Why it matters

The right cover helps protect your income, clear debt, fund medical recovery, and keep life on track if the unexpected happens — so your plans aren’t derailed.

The covers we help you decide on

Life Insurance - Pays a lump sum if you pass away or are diagnosed with a terminal illness (as defined by the policy).
TPD (Total & Permanent Disablement) - Pays a lump sum if you become totally and permanently disabled (definition varies by policy and occupation).
Income Protection - Provides a monthly benefit if you can’t work due to illness or injury, after a waiting period, up to a benefit period.
Trauma/Critical Illness - Pays a lump sum on diagnosis of specified serious conditions (e.g., cancer, heart attack, stroke), as defined by the policy.

Policy terms, definitions, waiting periods and exclusions vary. We help you understand your options and trade-offs before deciding.

What you’ll get

Needs analysis: How much cover, for how long, and why — tied to your goals and budget
Policy selection and structure: Compare options, features and costs — inside vs outside super where appropriate
Premium strategy: Stepped vs level premiums and how costs may change over time
Policy ownership and beneficiaries: Set up correctly to support your intentions
Underwriting support: Help with applications and disclosures
Claims support: Guidance if you need to claim, so you’re not alone
Ongoing reviews: Adjust cover as life and finances change

Policy terms, definitions, waiting periods and exclusions vary. We help you understand your options and trade-offs before deciding.

Should my insurance sit inside super?

Potential advantages: Cash flow relief (premiums paid from super), potential group rates
Potential considerations: Definitions can differ; impact on super balance; beneficiary and tax outcomes vary We’ll explain the pros and cons for your situation and recommend a structure that fits your goals.

How we work together

You’ll always understand the “why” and “how” before making decisions.

Step 1 - Complementary Intro Call

A no-cost, no-obligation chat to understand your goals and questions.

Step 2 - Strategy & Plan

We recommend tailored cover, help you apply and handle underwriting.

Step 3 - Implement & Review

We review regularly and support you if you need to claim.

Our approach to retirement planning

Trusted by clients across Melbourne and regional Victoria

We support clients in Melbourne CBD, Geelong, Albury, Bendigo and Wangaratta.

Melissa Gundrill

"I'm incredibly grateful that my version of happiness was fully supported by the team at EJM."

Trish Zicari

"Thank you Manny and all the team at EJM. I feel like I’m part of your family"

Charlie & Gina Fenech

"We look forward to our continuing guidance and have absolute confidence in all the advice."

Mick & Patsy Andrews

"Manny has helped and advised us on many things over the years and his advice has always been right."

Geoffrey & Robyn Golightly

"We would have been lost in planning our retirement on our own."

Paul & Jayne Pozzan

"We will be forever grateful for the help and support that is available through EJM."

William & Kim Martin

"We met Ruby for the first time this year and we felt an instant connection with her."

Jonathan & Elise Pethybridge

"We commenced our journey with Brendan Cairns in 2011 when he started EJM in Wangaratta."

Louise van Iersel and Matthew Castanelli

"We greatly appreciate the care we have received from the team at EJM."

Colin & Paula Gething

"We found a firm that has and continues to have our best interests at heart."

Noela Langborne

"The best advice anyone has ever given me."

Ray & Lisa Borg

"Our journey with EJM has been a stress-free experience."

Tony & Mary Vespa

"Manny was always just a phone call away."

What this service is — and isn’t

What it is

Tailored advice on Life, TPD, Income Protection and Trauma/Critical Illness — including sums insured, structure and policy selection — provided after we understand your objectives, financial situation and needs.

What it isn't

Guarantees of claims outcomes or product performance. Claims are subject to the insurer’s terms, definitions and your disclosures.

Information on this page is general in nature. Personal advice is provided only after we assess your situation.

Personal Insurance FAQs

Will pre-existing conditions be covered?

It depends on the insurer’s underwriting assessment. We help present your application accurately and explore options if loadings or exclusions apply.

What’s the difference between stepped and level premiums?

Stepped premiums start lower and increase with age; level premiums are steadier but higher upfront. We help you choose based on time horizon and budget.

How long should my Income Protection waiting and benefit periods be?

It depends on your sick leave, emergency buffer and needs. We’ll model trade-offs (e.g., 30 vs 90-day wait) and cost impact.

Should I cancel default cover in super?

Not always. We review existing cover, definitions and cost before recommending changes.

Will you help if I need to claim?

Yes. We support you through the claims process and liaise with relevant parties as needed.

Ready to protect what matters?

Book your complimentary intro call now. No obligation — just a clear next step. Booking takes about 60 seconds. We’ll be in touch within 1 business day.

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