The financial advice team behind Sapience Financial & Investment Services are the same people behind our four specialty brands caring for different people with very specialised needs.
Each is designed to care for one of our specialty niche markets, who have very different needs:
00:00 - 06:48
Some questions in life are really hard to answer, because the correct answer is different, depending upon who you ask.
What's right for you in your situation, might not be right for someone else in their situation.
The especially tricky questions in life usually have emotional and financial consequences like the question, 'how much life insurance is enough?'
So how much is enough?
Well, the short answer is, 'it depends upon how much living you have to do'.
Making the world a better place for you and your family starts with looking after yourself and having a plan in place to manage the normal risks of life. Managing deaths, family obligations and protecting assets.
So you insure your house, probably insure your car, maybe even your iPhone for replacement value. But when it comes to measuring the value of a human life, you can't, it's priceless.
But what it can achieve is worth protecting.
Finally Sorted is the estate planning division of Sapience Financial specialising.
For most of our risk insurance clients, getting their Estate Planning sorted is a natural next step so they can then cross-reference those important details into their estate plan documents too.
00:00 - 03:52
Driving a car is probably a big part of your life right?
It doesn't take long before we've all seen a few close calls, or maybe even an accident.
Nobody plans to be in an accident they're just a part of modern life in cars, so keeping our family as safe as possible on the roads is important to all of us.
Thankfully, today's cars have a range of safety features installed. Modern cars even have multiple airbags ready to protect its occupants in case of a serious accident.
Now while you might not see them, knowing they're there in case of emergency, helps you feel safe, so you're free to enjoy the drive.
Well, just like safe driving, in our personal lives we all have to plan ahead to prevent problems.
These days modern life brings new problems that usually can only be solved with modern day solutions.
Modern Estate Planning is like the safety bags in your car, but for your life.
Unusualrisks.com.au is the speciality insurance division of Sapience Financial helping our professional clients who have hard to insure occupations or health issues. We have the deep understanding and expertise to help you get what you need.
00:00 - 04:04
Having an accident at work is something we all want to avoid.
Nobody plans to have a workplace accident, but the difficult truth is, even when we minimise the risks, some workplaces are just plain dangerous and unpredictable.
Each year medical professionals working in hospitals, clinics or at accident scenes are routinely exposed to dangerous life-changing risks.
These intense and often high pressure environments can change in the blink of an eye. The risk of accidental exposure to Hepatitis B or Hepatitis C or even the HIV virus through a needlestick or sharps injury, is a constant danger.
Each year in Australia over 18,000 needlestick or sharps injuries are recorded with 1 in every 9 nurses reporting ‘they’ve suffered a needlestick or sharps injury within the last 12 months’.
00:00 - 01:13
We all know honesty is the best policy, and that's especially true when it comes to life insurance.
Duty of Disclosure means that you have the responsibility to report any personal information that might be relevant to your cover, to the insurer.
Now we're not talking about last year's stubbed toe, or the sniffle you had in 1994. The insurer needs to know about any illnesses you've been diagnosed with any injuries you've suffered or any health issues you currently experiencing.
You also need to tell them about your family health history, any work situations that involve a degree of risk or any hobbies that could be hazardous.
Australia is one of the most beautiful and expensive places to raise a family today. So it's no wonder that most couples agree, 'anxiety about money and increasing levels of debt' causes significant family stress'.
Life insurance is an essential expense for any couple. But for same-sex couples who rely on the income of one or more family members to pay the bills, life insurance is a necessity.
The Australian census records around 20% of lesbian couples and 5% of gay male couples in Australia are raising children, and that number is rising.
Today's modern families are as different as their aspirations. So whether your family is biological or logical, whether you're a parent, co-parent or part of someone's family of choice, we understand that key family relationships are about love.