Nothing helps you boldly face the future like knowing you’re prepared
— and nothing feels as good as being secure.
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.”
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.
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'.
Tailored Life Insurances Advice & Modern Estate Planning Services
for Small Business Owners, Partnerships & their Families
so they can protect themselves, from their business
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Sole Traders, Tradies, and Solopreneurs There are an increasing number of people who choose to start a business with no intention of ever adding staff — the Sole Trader Small Business Owner — and this business structure is likely to only increase...
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Partnerships An increasing number of professionals choose to start a business with another person in a Partnership structure. Joining forces with others in a business can make a good idea better, as increased shared expertise, resources, new...
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Company & Multi Owner Businesses While an increasing number of professionals choose to start a business with another person in a Partnership, a Company structure suits the needs of many modern small businesses that want the legal...
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Singles Relationship status is no indicator of financial responsibility or business skills. You can be young and starting out or older and established — and both enjoy living the single life. You might be single, single again, sometimes...
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Partnered Sharing life and business with someone can be twice as exciting but can bring twice the risks to manage. You might be partnered, partnered with pets, officially de facto, officially married, splitting expenses but sharing life, or...
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Parenting Parents are in the business of growing healthy young adults. It's a major emotional commitment — and it’s also a financial one. As your child grows, so will your obligations to help them with their financial needs while balancing...
Read MoreA 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.
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.
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.
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Drew Browne is an Authorised Representative and Sapience Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL Shartru Wealth Management Pty Ltd #422409 ABN 46 158 536 871. Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. Sapience Financial is a Trauma Informed Organisation (TIO) and affirms the Darlington Statement on Intersex Human Rights Australia.
Sapience Financial acknowledges the Traditional Custodians of Country throughout Australia and their continuing connection to land, waters and community. We pay our respect to them and their cultures, and Elders, past, present and future.
