Personal Insurance & Risk

DISCLAIMER: The information on this website is factual information and is not financial advice. The information is objectively ascertainable information and is not tailored to your personal circumstances. You should obtain financial advice before making a decision in relation to this information. All examples are provided for illustrative purposes only.

Why insurance and risk advice matters

Life is unpredictable, but personal insurance can provide peace of mind, knowing that you and your loved ones are financially protected in the event of illness, injury, or loss. Whether you’re looking to safeguard your family, protect your business, or secure your income, we provide tailored risk advice to ensure you have the appropriate cover in place for your circumstances.

Our approach

With 20-plus years of experience managing claims the Risk team at Hood Sweeney Securities has secured its clients more than $50m in claim payments.

We specialise in full-service life insurance advice, taking the time to understand your unique situation before recommending specific levels of cover across a range of insurance products. Our expertise ensures you’re not underinsured or paying for cover you don’t need.

We provide personalised recommendations across all major Australian retail insurers.

Having insurance is one thing; structuring it correctly is another. We look beyond simply having insurance, and advise on policy ownership (personal, business, within superannuation) to optimise tax efficiency and ensure benefits reach the right people when they are needed.

Why choose us

• We work for you, not the insurers – As brokers with an open Approved Product List (APL), we have access to all major Australian retail insurers.

• Tailored advice – No one-size-fits-all policies - Every recommendation is based on your personal and financial circumstances.

• Dedicated claims support – If the time comes to make a claim, we’re by your side. Our dedicated claims service removes stress and uncertainty, ensuring you receive the benefits you’re entitled to as quickly as possible. It’s complimentary for clients we manage policies for. We also offer a paid claims service if you have a policy not under our advice and just need help.

• End-to-End service – From selection to structuring and claims’ assistance, we’re with you every step of the way.

• Second opinion – If you already have current life risk insurance, the team can offer a complimentary second opinion and ensure that your level of cover is appropriate and well-structured.