Insurance and Income Protection

Protect your lifestyle, income and future with tailored insurance advice

At McMillans, we believe that smart financial planning goes beyond budgeting and investing—it’s also about protecting what matters most. That includes your ability to earn an income, support your family, and maintain your lifestyle in the face of life’s unexpected turns.

Whether you're a business owner, young professional, or nearing retirement, having the right insurance in place can give you and your loved ones peace of mind.

Why insurance matters

No one expects to face illness, injury, or loss—but it happens. And when it does, financial stress is often one of the biggest burdens. Insurance acts as your safety net, helping you stay financially stable while you recover or navigate life’s challenges.

We help you answer questions like:

What would happen if I couldn’t work for six months?
Would my family be able to stay in our home if something happened to me?
Could my business survive if I got sick or injured?

Insurance services we offer

Our team works with you to assess your risks, financial obligations, and goals—then matches you with the right level of cover through reputable providers.

Some of the most common types of personal and business insurance we advise on include:

Income Protection Insurance: Replaces a portion of your income if you’re unable to work due to illness or injury. Essential for anyone who relies on a regular paycheck.

Life Insurance: Provides a lump sum to your loved ones if you pass away. It helps cover debts, mortgage repayments, living expenses, and future education costs.

Total & Permanent Disability (TPD): Pays a lump sum if you become permanently unable to work due to injury or illness.

Trauma / Critical Illness Insurance: Offers financial support if you're diagnosed with a major illness such as cancer, stroke, or heart attack. Helps with treatment costs, time off work, and lifestyle adjustments.

Key Person & Buy/Sell Insurance (for Business Owners): Protects your business in the event a key staff member or business partner is no longer able to contribute due to death or disability. These policies can ensure continuity and smooth succession planning.

Already have insurance?

It’s worth reviewing your cover when major life changes occur—such as buying a home, starting a family, changing jobs, or growing your business. We’ll help ensure your current policy still aligns with your needs.

Let’s safeguard your future

Insurance isn’t just about preparing for the worst—it’s about securing your lifestyle and your goals, no matter what comes your way.

Talk to the McMillans team today about your income protection and personal insurance options. We’ll help you get the right cover, at the right time, with advice that’s tailored to you.

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