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Ashfords Insurance

Personal Insurance

Cover should be built around the life you’ve planned, not just the risks you’re avoiding.

Insurance is often taken out without being fully understood. Policies are complex, options are inconsistent across providers, and the fine print can be difficult to interpret. An engagement with Ashfords changes that.

With tailored advice and access to a broad range of insurers, cover is structured around your financial position, dependents and long-term goals. Whether it’s life insurance, income protection, trauma or TPD cover, recommendations are built on how you live—not just what you earn.

The value comes from knowing exactly what you’re covered for and why. That extends beyond the policy wording. It influences how claims are handled, how often cover is reviewed, and how confidently you can plan for the future.

"The advice was honest and tailored to what we really needed, and we never felt rushed or pressured. It’s incredibly comforting to know we now have the right coverage in place, thanks to Tim’s expertise and genuine care for our family’s future.

Sian and Craig
Ashfords Client

Ashfords Insurance — Personal Insurance FAQs

Common Questions, Answered

What types of personal insurance are available?

Cover includes Life, Income Protection, Trauma (Critical Illness) and Total and Permanent Disability (TPD) Insurance. Each is assessed based on your needs, family structure and financial position.

Why is personal insurance necessary?

It ensures financial stability in case of illness, injury or death—covering expenses like bills, debts, medical costs and ongoing living expenses, so your lifestyle can remain secure.

How is the right level of cover determined?

We review your income, debts, family situation and financial obligations to recommend policies that protect what matters, without overcommitting your budget.

Personal risk management rarely ends with insurance.

After securing cover, many people revisit estate plans, financial structures and cash flow planning. Protection is just one part of a larger financial picture—and often the one that brings other needs into focus.

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© Ashfords Accountants & Advisory 2025

AFSL (Australian Financial Services licence) 226184

Liability Limited by a scheme approved under Professional Standards Legislation. ACN 607 345 522

Ashfords Accountants & Advisory acknowledges the Traditional Owners of this land, the Wurundjeri Woi Wurrung and Bunurong People, and recognises their continuing connection to the land and waterways. We pay our respects to their Elders past, present and emerging and extend this to all Aboriginal and Torres Strait Islander People.