Innovative Lending Solutions
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Australian Credit Licence #387856
14 · Life Cover

Life cover,
designed for your circumstances.

Life insurance protects the people you love and the lifestyle you've built. We work alongside trusted specialist partners to make sure your cover matches your obligations — mortgage, family, business — not a generic template.

What's covered

Life Insurance — end to end.

Every angle of life insurance, handled by one team that knows your file.

Term Life Cover

Pays out to your beneficiaries if you pass away or become terminally ill. The foundation of family financial protection.

Income Protection

Replaces 75-85% of your income if you can't work due to illness or injury. Critical for self-employed and high earners.

Total & Permanent Disability

Lump sum if you become permanently unable to work in your usual occupation. Often paired with life cover.

Trauma / Critical Illness

Lump sum on diagnosis of major illness (cancer, heart attack, stroke). Covers costs not covered by Medicare or other insurances.

Why Wood & Weiss

A different kind of life insurance brokerage.

Real broker access. Real strategy. Real outcomes.

Through specialist partners

We work alongside trusted life insurance advisers. Insurance is its own discipline with its own licensing — we don't pretend to be the experts, we work with them.

Aligned with your finance

Cover sized to match your mortgage, business debt, family obligations. Not under-insured, not over-insured.

Independent advice

Our partners are independent advisers — not tied to one insurer. Your premium and policy match your needs.

Coordinated review

When your circumstances change (new property, new business, new family member), we coordinate the insurance review with the finance review.

FAQ

Life Insurance — common questions

Is Wood & Weiss a licensed insurance adviser?
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No — we are licensed mortgage and finance brokers (Credit Representative #553605 under ACL #387856). For insurance advice, we work alongside specialist insurance advisers who hold the appropriate insurance licences.
Do I need life insurance if I have super?
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Most super funds include some default life and TPD cover. Default cover is often inadequate for actual needs (a mortgage holder may need 5-10x their basic super cover). We assess whether default is enough.
Income protection — through super or standalone?
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Each has trade-offs. Super-held income protection has tax advantages and reduces cash flow impact. Standalone often has broader cover and longer benefit periods. Specialist adviser maps the trade-off for your situation.
How much cover do I really need?
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Common rule of thumb: enough to clear major debts (mortgage), replace income for 10+ years, fund children's education, and cover funeral and probate costs. Highly individual — specialist adviser sizes properly.
Will applying for insurance affect my mortgage application?
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No — insurance applications are separate from finance applications and don't register on credit files.
What if I have pre-existing conditions?
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Pre-existing conditions may attract loadings, exclusions, or in some cases declines. A specialist adviser submits to insurers most likely to offer cover for your specific circumstances.
Jeff Moishe
Jeff & Moishe — Co-directors Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide
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