Lest We Forget


Australia Post official commemorative stamp 2016We remember.

Thank you for your service.


Remembrance Day is observed on 11 November in most countries to recall the end of hostilities of World War I on that date in 1918. Hostilities formally ended at the 11th hour of the 11th day of the 11th month.

We believe secure people live bigger lives.

Sapience is all about helping people protect and provide for their families and businesses, so they can become the best versions of themselves.

A common trait of successful people is they accept that life is always unpredictable.

The problem we all face is when we don’t understand something or its relevance to our lives, it’s easier not to think about it.

Sometimes just not knowing where to start or where to go for advice can freeze many people into inaction.

Your emergency savings fund is the cash you've set aside in case of—you guessed it—an emergency

Some people call it a rainy day fund, others call it a sleep-better-at-night-account, regardless of what you name it we all need to be saving towards it.

Automate your savings habits

Actually knowing where your money goes is the clever first step to gaining more control over your money.

Sometimes it’s the habit you make rather than the amount you save that’s really useful.

Bad credit — not sure? It's not surprising

The company that has been keeping the records may have been keeping them from you as well

In December 2016 Australian consumer action groups won a case against credit reporting agency Veda Advantage Information Services and Solutions Ltd (Veda) that resulted in the Privacy Commissioner ordering Veda to refund thousands of consumers who were charged for obtaining a copy of their credit report.

Let's be really honest here. It doesn't take long to realise that life never quite works out just the way we planned.

To suggest it's unpredictable - is an understatement.

Call it chance, accident, fate or even serendipity; sh!t happens. Ok now that's out in the open, and we're being honest, the point we're making is life just happens to us all and some things catch us all off guard. How we deal with hard times makes us human, how we plan for those potential hard times makes us successful.

When hard times happen remember it's not personal - its just the statistical realities; its the numbers of life

How to plan for the reality of risks in our life

When hard times happen, you can't take it personally as if it's directed solely at you and your family or even your business. The statistical reality is that we all suffer ups and downs in ways we never expected. That's why we use life insurance products as a safety net, just in case.

Obviously, everyone's circumstances are very different. People who drive cars are more at risk of being in a car accident than those who don't drive. If only life was that simple and predictable — it isn't. In 2016 sadly 176 pedestrians were killed in traffic accidents in Australia.

Time for a straightforward conversation about the numbers

We believe that core to protecting and providing is having an honest understanding of the numbers of life so we can all have the opportunity to put a backup plan in place if something unexpected happens.

Drew's Rant Alert.
Now if you're the type of person who upon hearing this immediately reaches for an anecdotal story 'about a friend's grandmother who's still alive at 95 and still smoking a pack of unfiltered cigarettes a day' smoking really isn't a risk to anyone like we're told...' we probably aren't going to get along so please click here to go somewhere more appropriate.

The good news is (if you're still reading) you do have the opportunity to help prepare for many of life's ups and downs so that when the hard times arrive you, your family and even your business are able to survive them.

Life happens by The Numbers.

The chances of you needing to make an insurance claim

What are the chances of you needing to claim on your personal insurance policy in Australia?

  • 1 in 3 chance of needing to claim for Critical Illness insurance
  • 1 in 4 chance of needing to claim for Income Protection insurance
  • 1 in 10 chance of needing to claim for Life insurance or Terminal Illness
  • 1 in 20 chance of needing to claim for Total and Permanent Disability (TPD) insurance

Jump to facts about:

What does this mean for Australian families?

In 2014 there were 11,237 unexpected deaths of married people between 15-64.

  • This means 31 families per day unexpectedly lose a family member
  • Given that 48% of families have at least 1 dependent child, this means 15 families every day with a dependent child, will lose a parent

What are the chances of you winning Lotto or Powerball?

  • Chance of getting 6 winning Lotto numbers 1 in 8,145,060
  • Chance of winning Powerball 1 in 76,767,600

What are the leading causes of insurance claims?

Of the 4 classes of personal insurance available, Life insurance, Total and Permanent Disability (TPD), Medical Crisis and Income Protection, these are the leading reasons for claims being made on these personal insurance policies.

The leading causes of insurance claims
Death Total Disability Medical Crisis Income Protection
Cancer Musculoskeletal Cancer Musculoskeletal
Heart Disease Cancer Heart Disease Mental Illness
Respiratory Disease Mental Illness Neurological Disorders Cancer


Diabetes in Australia

275 Australians develop diabetes every day

  • 56% are males, and
  • 44% are females
  • Around 92% of people with Type 2 diabetes were 45 years old or more
  • 45% were 65 years or older

The additional risks for business owners working with multiple people in business

The odds of a business partner dying or becoming totally disabled before age 65
Number of
business partners
Chance of 1 partner
dying before age 65
Chance of 1 partner
dying or becoming
totally disabled before age of 65
2 partners 35 in 100 52 in 100
3 partners 47 in 100 67 in 100
4 partners 57 in 100 77 in 100
5 partners 66 in 100 84 in 100
6 partners 77 in 100 89 in 100

Meet George - logistics co-ordination ninja

He spends most of his work day chasing boxes, deadlines and freight companies.

His partner is the love of his life (and drives him crazy at times). George has a stepdaughter who he adores and a well-earned reputation as a bit of Weekend DIY Tragic, relentlessly renovating his townhouse.

Video & Case Study

So the big question he has is about life insurance and 'How much is enough?'

We all have to learn how to prioritise big decisions

There are some statistics in life that you simply need to know so you can make better choices.

Most people wouldn't dream of travelling overseas without Travel Insurance to protect their luggage and their health. Nobody wants to be stranded overseas with no luggage or worse, in a foreign hospital hoping the local doctors have the right skills, medication and the sanitation standards that's not going to put you at greater risk.

Many people ask us what can they do to accelerate their personal wealth and how to get better at life faster This leads to the same conversation about concerns for their kids and how they will need to face more complex issues than the generation before them.

drew browne pic

Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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Learn about Our Process

Every good decision follows a deliberate process and framework. This is how we approach our thinking.

Proress and strategy help make great fianncial decisions

11 Key risks every Australian should know

Know Your Risk

Know Your Risks

So what are the chances of...
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Our Connections

We're connected to every Life Insurance company in Australia

That means we really can give you the best available option

Why this should matter to you

  • AMP
  • AIA
  • BT
  • TAL
  • CommInsure
  • MLC
  • Zurich
  • One Path
  • Macquarie
  • Asteron
  • Clear View
  • NEOS

About Us

Wherever you are on your financial journey, whether it’s your business, your family or just you; it’s about good information, good connections and good financial advice — and the ability to recognise the difference.

UN Sustainable Development Goals Advocate

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Work with us Face to Face: let's meet at your office, your favourite cafe, or your home (or gelato bar).

Work with us any way that works best for you.


1300 137 403
George St Sydney, NSW 2000


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