CWF Group
STRATEGIC PROTECTION
Your health is your most important financial asset.
Risk insurance protects what you’ve built when the unexpected happens. A single bad event shouldn’t take away everything. That’s why protection comes first in any financial plan, not last.
Avg annual return, residential property (10 years to Dec 2015)
8
%+
Avg annual return, ASX (20 years to Dec 2015)
10
.5%
Share of household wealth held in the family home
43
%
Four Ways to Cover your Income
A small decision today changes what your family faces tomorrow.
We provide complete risk insurance and obligation-free quotes so you can decide what level of cover actually suits your situation.
Life Insurance
Pays a lump sum to your beneficiaries if you die or are diagnosed with a terminal illness. Settles debts and covers your dependants' living expenses.
Income Protection
Replaces part of your income with monthly benefits if illness or injury stops you working. Premiums are tax deductible and can be funded through super.
Total & Permanent Disability
A lump sum or monthly payment if illness or injury leaves you permanently disabled. Covers medical costs, home modifications, and ongoing needs.
Trauma Insurance
A lump sum on diagnosis of a critical illness or serious injury. Covers out-of-pocket medical costs while you rest and recover.
Build on the Foundation
Property is where most Australian wealth is held.
Once your protection foundation is covered, we help you build on it. Property is usually the largest part of your wealth structure, and it’s difficult to reach financial freedom without growing assets.
What to buy, and in whose name
How much to borrow, and how to repay it
The right entity, SMSF, company or trust
Tax implications of each structure
HOW WE WORK
Three conversations, one plan.
1
Understand your position
We look at your income, dependants, debts and existing cover to see where you’re exposed if something goes wrong.
2
Recommend cover, obligation-free
We put together a quote across life, income protection, TPD and trauma so you can decide what level of protection fits.
3
Build on the foundation
Once you’re protected, we turn to growing wealth, starting with how property fits your goals, structure and borrowing capacity.
COMMON QUESTIONS
Your Insurance Questions Answered
Choosing the right cover can feel overwhelming. Here are straightforward answers to help you feel confident about your protection.
Not necessarily. The types of cover you need depend on your personal situation, family commitments, and financial goals. Some people benefit from multiple types, while others may find one or two are sufficient. Our advisors can review your circumstances and recommend only what makes sense for you.
The right amount of cover is different for everyone. Consider your income, debts, dependents, and long-term goals. A good starting point is to cover your mortgage, living expenses, and any outstanding loans. Our advisors will help you calculate a suitable amount based on your specific needs.
Yes, completely. Our initial advice comes with no strings attached. You’re under no obligation to proceed with any product or service. We simply want to help you understand your options and make an informed decision that’s right for you.
Life changes frequently, and your cover should evolve with it. You can review and adjust your cover whenever needed. If you get married, have children, buy a home, or experience other major life events, we can help you update your protection to keep it relevant and effective.
CWF Group
Strategic protection and property advice for Australians building a financial future.
Services
Life Insurance
Income Protection
Property Strategy
Get Started
Free quote
How we work
Contact
- info@cwfinance.com.au
- 0466 452 888
© 2026 CWF Group. All rights reserved.