The Drive To Protect & Provide is Evolutionary

The Drive To Protect & Provide is Evolutionary

... and at Sapience Financial we're all about 'The How'

Life & Business Priorities Will Always Overlap

Life & Business Priorities Will Always Overlap

Business makes compassion work

Secure People Live Bigger Lives

Secure People Live Bigger Lives

Well-being comes from our control over our lives and money, and the confidence it brings, to explore the world and become a better version of ourselves

Freedom to Be You

Freedom to Be You

Financial freedom is different for everyone, but the feeling is the same

You're Always a Role Model for Someone

You're Always a Role Model for Someone

Amazing people don't just happen

Live Happy Work Happy

Live Happy Work Happy

In Life, Love & Business, do more of what makes you happy!

Create Purposeful Business

Create Purposeful Business

Life is too short not do something meaningful

The biggest mistake business owners make

The biggest mistake business owners make

We overestimate our ability to function well during times of immense emotional & professional stress, & the resources needed to survive, recover & rebuild

 

[ OUR BELIEF ]

Secure People
Live Bigger Lives



Nothing helps you boldly face the future like knowing you’re prepared
— and nothing feels as good as being secure.

 

icon care

 

The biggest mistake small business owners make is this:

"We overestimate our ability to function well during times of immense emotional and professional stress, 
and we underestimate the amount of resources we’ll need to survive, recover and rebuild.”

 

[ About Us ]

Sapience is where Lived Experience meets Technical Expertise

We understand living through tough times.

With more than 20+ years experience in specialty personal risk management, we're the recognised Industry Leaders in Personal Risk Protection Advice for Modern Small Business Owners and their Families.

  • We support Small Business Owners and their Families to manage the major personal risks of life, love & business.
  • We believe life insurance allows us to protect and provide for ourselves & our families.
  • As a  technology-enabled financial advice business, we work seamlessly Australia-wide, across multiple time zones with busy clients.

The Sapience Financial group of specialty brands was born out of a personal understanding of what happens when a medical diagnosis stops you from working — you lose your health, then lose your job, then your career, and nearly lose your home — along with hope for a better tomorrow.

When you want to protect and provide for who's important to you, we can help you manage the hidden risks of facing an unpredictable tomorrow.

We call that 'Becoming More Life Confident'.

[ Our Services ]

What We Offer

Tailored Life Insurances Advice & Modern Estate Planning Services
for Small Business Owners, Partnerships & their Families
so they can protect themselves (and their families), from their business

 

Australian road sign kangaroos, wombats and Sapience Financial

Let’s get started!

Money is a serious matter — given how much of our lives we sacrifice in the name of making money in the first place.

Managing risks is a serious matter — as missed key decisions today usually have consequences that undermine our tomorrow.

At Sapience – we're all about 'The How'.

Sapience Financial is a specialty Financial Risk Advice service supporting Small Business Owners, Partnerships and their families who support them.

  • We use technology to work with our time-pressured clients Australia-wide, regardless of their time zone, screen–to–screen, over email or through our secure customer portal for our advice-on-demand services.
  • Because we're not one-size-fits-all, we're definitely not 9 to 5.

So when you're ready to bring more certainty to an uncertain world, connect with the team at Sapience Financial — because we understand, Secure People Live Bigger Lives.

Founder Sapience Financial

Advisor & Founder
Sapience Financial

[ Our Focus ]

Types of Businesses We Work With

We Support Business Owners Like You

We're also a Small Business & can help you protect what you've worked so hard to achieve,
 so you can provide a more predictable future for you and your family

[ Business Services Include ]

Types of Business Life Insurance

If someone mentions life insurances for businesses, there's a reasonable chance they're referring to one of the following

Four Core Small Business Insurance Strategies

[ Our Stories ]

People We Work With

We Support People Like You

The one constant in modern life is change & people's needs can change with each new relationship

[ PEOPLE SERVICES INCLUDE ]

Types of People Life Insurance

When people talk about life insurance products, they're referring to one of the following classes of life insurances:

 

Children's Cover

A sick child is a whole family issue and can require a whole family response. Child Critical Illness insurance provides you with a one-off payment to help lighten the financial pressures of a sick child with a serious medical issue, allowing you to focus on your child and their recovery. Child Cover pays a lump sum if your child suffers from any of the medical conditions listed and defined in the policy.

Accident Only Cover

The Plan B for when you're not eligible for Plan A — becomes the next best thing to help reduce your risks. These types of specialist policies are designed to help people who, for a variety of reasons from complex medical history, recent medical procedures or family history of specific illness may not be eligible to qualify for comprehensive insurance cover, but who still have financial needs to protect and families to keep safe.

Speciality Cover

Business Owners and Employed Professionals realise the one-size-fits-all approach to life and business, never works for people living bigger lives. From difficult to manage pre-existing medical conditions, high risk occupations, or self employed occupations with very long hours who don't qualify for comprehensive insurance cover, a specialist risk advisor can create a hand-crafted strategy for your personal insurance cover needs, because one size never fits all.

[ Our Blogs & Vidoes ]

Browse Our Blogs

Every month we publish our own Personal Finance Blog about practical financial issues
our clients, friends & supporters face, so they can become more Life Confident

From Our Personal Finance Blog

Time flies when you’re having fun but even faster when you're in Small Business
03 Sep 2024
Read More
Bad Night? Bad Romance? Bad Super Binding Death Nomination?
19 Aug 2024
Read More
The recipe for disaster that is leaving Specific Gifts in Wills
17 Jul 2024
Read More
Just to let you know, 'We're Moving'
14 Jul 2024
Read More
When do you need a Company Power of Attorney?
16 Jun 2024
Read More
When Home is Not the Safest Place
27 May 2024
Read More
Federal Budget Summary 2024-25
26 May 2024
Read More

Modern Small Business Leadership Blog

We publish our own articles about Modern Small Business Leadership to inspire
our clients, friends & supporters to grow better businesses.

From Our Leadership Blog

Asking great questions is better than finding simple answers
18 Jun 2024
Read More
Diversity matters – is your website a little too white?
19 Apr 2023
Read More
Business life is a lot like a game of snakes and ladders
10 Oct 2022
Read More

Our Educational Videos

We create our own Fun Animated Explainer Videos and Client Educational Videos
to help people understand the practical How behind the Why.

From Our Educational Videos

Needlestick Injury Insurance
Fun Explainer Videos
Read More
What is the chance of needing to claim on a life insurance policy?
Risk Education Videos
Read More
When should people use a life insurance policy?
Risk Education Videos
Read More
What are the possible outcomes for a life insurance application?
Risk Education Videos
Read More
What's the application process to set up life insurances
Risk Education Videos
Read More
How Much Life Insurance is Enough?
Fun Explainer Videos
Read More

[ Our Professional Reach ]

Access every Life Insurance company in Australia

 You wouldn't go to a Doctor who never finished medical school, so why would you use a risk adviser
who doesn't have access to every life insurance company in Australia?

Want to learn more about Why This Matters?

AIA

AMP

asteron

BT

clear view

comminsure

Integrity

macquarie

MetLife

MLC

neos

one path

TAL

zurich

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Community

Our Local & National Charity Partners

Contact Us

Serving Australia Wide, from
George St Sydney, NSW, Australia.
Gadigal Land ] & [ Darug Country ]

Phone: 1300 137 403
Say Hello! sapience.com.au

 

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@SapienceFinancial
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