Personal Insurance Advice in Doreen & Montmorency
Life rarely goes exactly to plan. An unexpected illness, injury, or death can affect not only you, but the people who depend on you. Personal insurance is what keeps a difficult moment from becoming a financial crisis, replacing lost income, covering costs, and giving your family the stability to keep moving forward.
At C&H Accounting Group, we help individuals and families put the right personal insurance in place, matched to their circumstances and their budget. Working alongside our qualified financial adviser, you get clear, practical advice on what cover you actually need, how much, and how to structure it, so you can feel confident your income and your loved ones are protected whatever the future holds.
Our Personal Insurance Services
C&H provide personal insurance services for individuals and families across Melbourne, delivered through our in-house financial adviser. Rather than selling you a policy off the shelf, we start by understanding your situation, your income, your family, and your obligations, then recommend cover that genuinely fits. From life and income protection through to total and permanent disability and trauma cover, we help you protect what matters most while avoiding paying for cover you do not need. Because we combine insurance advice with accounting and tax expertise under one roof, we can also make sure your cover is structured in the most tax-effective way.
Life Insurance
Life insurance provides a lump sum payment to your family or estate in the event of your death or, in many policies, a terminal illness diagnosis. It can be used to pay off a mortgage, clear debts, cover living costs, and provide for children and dependants. We help you work out an appropriate level of cover for your circumstances and structure the policy in a way that suits your needs, whether held personally or through superannuation.
Income Protection Insurance
Your ability to earn an income is often your most valuable asset. Income protection insurance replaces a portion of your income if you are unable to work due to illness or injury, helping you meet everyday expenses while you recover. We help you understand waiting periods, benefit periods, and how much cover is right for you, so you are protected without over-insuring.
Total and Permanent Disability (TPD) Insurance
TPD insurance pays a lump sum if you become totally and permanently disabled and are unlikely to work again. It can help cover medical and rehabilitation costs, modifications to your home, ongoing living expenses, and the loss of your future earning capacity. We help you assess whether TPD cover is appropriate for your situation and how it should sit alongside your other insurances.
Trauma (Critical Illness) Insurance
Trauma insurance, also known as critical illness cover, pays a lump sum if you are diagnosed with a serious medical condition such as cancer, a heart attack, or a stroke. Unlike income protection, it is paid regardless of whether you can still work, giving you the freedom to focus on recovery, reduce your hours, or cover unexpected costs. We help you understand what conditions are covered and whether trauma cover fits your overall protection plan.
Insurance Planning and Wealth Protection
Good insurance planning is about more than choosing a policy. It is about making sure your cover works together as part of a wider plan to protect your wealth and your family. Our insurance planning service reviews any cover you already hold, identifies gaps or overlaps, and makes sure you are neither underinsured nor paying for cover you no longer need. We also consider how your insurance connects with your estate planning and broader risk management, so every part of your plan is aligned.
Why Choose C&H for Personal Insurance?
With more than 30 years of experience supporting individuals and families across Montmorency, Doreen, and surrounds, C&H bring a rare combination of insurance, accounting, and tax expertise to your protection plan. Whether you think of it as working with a personal insurance broker or a financial adviser, what matters is getting advice that is clear, free of pressure, and genuinely in your interest.
Because we look at your whole financial picture, our personal insurance adviser can structure your cover in the most effective and tax-efficient way, coordinating it with your superannuation, estate plan, and long-term goals. You get straightforward advice from a team that knows your situation, not a call centre reading from a script.
Meet Your Personal Insurance Adviser
Hayden Pike
Financial Adviser since 2017
Bachelor of Finance (Financial Planning)
Throughout my career, I’ve had the pleasure of working with young professionals, families, retirees and business owners. My approach centres on providing advice that’s clear, holistic and tailored to help you live the life you want. I believe financial guidance should give you confidence and clarity, not confusion.
Personal Insurance in Doreen & Montmorency
C&H proudly provide personal insurance services across Melbourne, operating out of our two offices in Montmorency and Doreen.
Montmorency Office
For those seeking services in Montmorency, you’ll find our office located at 14/39 Grand Blvd, Montmorency VIC 3094. You’ll find us just a 15-minute walk from Were St.
Doreen Office
For those in the Northeastern suburbs, you’ll find us located at Level 1/100 Hazel Glen Dr, Doreen VIC 3754. You’ll find our office directly across from Laurimar Primary School and close to Laurimar Town Centre.
FAQs
Personal insurance is cover designed to protect you and your family from the financial impact of death, illness, injury, or disability. It generally includes life insurance, income protection, total and permanent disability cover, and trauma cover. The right combination depends on your income, your debts, and the people who depend on you financially.
There are four main types of personal insurance in Australia. Life insurance pays a lump sum on death or terminal illness. Income protection replaces part of your income if you cannot work. Total and permanent disability (TPD) cover pays a lump sum if you can no longer work. Trauma or critical illness cover pays out on the diagnosis of a serious condition. Most people benefit from a combination tailored to their circumstances.
For life, income protection, TPD, and trauma cover, advice in Australia is provided by a qualified financial adviser rather than a general insurance broker. While many people search for a personal insurance broker, this type of cover sits under personal risk advice, which a financial adviser is qualified to provide. At C&H, our in-house adviser can assess your needs and recommend appropriate cover as part of your broader financial plan.
There is no single figure that suits everyone. The right amount depends on your income, your debts such as a mortgage, your living expenses, and the number of people who rely on you financially. We work through these factors with you to arrive at a level of cover that protects your family without paying for more than you need.
Yes. Life, TPD, and income protection cover can often be held inside superannuation, which can make premiums easier to manage from a cash flow perspective. There are trade-offs to consider, including the impact on your retirement balance and differences in how claims are treated. We help you weigh up whether holding cover inside or outside super is right for you.
In most cases, premiums for income protection insurance held outside superannuation are tax deductible, while premiums for life, TPD, and trauma cover generally are not. How your policy is structured makes a difference, which is where our combined insurance and tax expertise is valuable. We can confirm the treatment that applies to your situation.
Book Your Personal Insurance Consultation Today
Our financial adviser is here to help you protect your income and your family with personal insurance that fits your life and your budget.
