Protect your income, your borrowing power, and your long term wealth strategy
Dilleen Property Group has partnered with CoverHouse to help clients structure personal insurance in a way that supports property investing, cash flow, and long term financial planning.
What CoverHouse helps with
- Correct amount of cover for planning purposes
- Best options and benefits to maximise payout chances
- Optimal structure for tax and cash flow
- Application handling from start to finish
- Assistance at claim time
- Guaranteed renewal once cover is in place
Insurance that actually fits an investor’s strategy
For financial planning purposes, there are usually four core covers worth considering. When structured properly, they do more than just provide protection. They can help preserve momentum, maintain lending capacity, and support your broader property and wealth goals.
Life
Covers your family if you pass away, helping create financial security when it matters most.
TPD
Covers your family if you become permanently disabled and can never return to work.
Income Protection
Provides a regular income payment, usually around 70% of your salary, if you are temporarily unable to work due to sickness or injury.
Trauma
Provides cover for major medical events such as heart attack, cancer, or stroke.
What an investment centric approach means
Done properly, insurance is not just about replacing risk. It can become part of the wider financial plan.
- Properly sized Life and TPD cover can help bridge the gap between your current net worth and your target net worth.
- Your family may be able to jump to, or close to, your financial independence number in a single event.
- Income protection can help you maintain borrowing capacity even when you are not actively working.
- It can also help you meet mortgage repayments and manage negative gearing commitments while you recover.
What can be tailored?
- Correct amount of cover for planning purposes
- Benefits and definitions that improve payout potential
- Policy structure for tax efficiency and cash flow
- Application handling on your behalf
- Support during the claims process
- Guaranteed renewability, meaning your insurer cannot cancel or change the policy due to health once you are covered
Hear more about the partnership
Watch the videos below for a clearer breakdown of how CoverHouse works alongside Dilleen Property Group clients and where insurance fits into a broader wealth building strategy.
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How the process works
A straightforward process designed to make personal insurance easier to understand, structure, and implement.
Advice and application
Around 20 minutes is spent explaining your options so you can choose cover that aligns with your broader wealth strategy. Then approximately 30 minutes is used to complete underwriting questions and submit the application on your behalf.
Insurer assessment
The insurer reviews your application and may request additional information or liaise with your medical practitioners if required. CoverHouse manages this process end to end and remains your single point of contact.
Approval and cover commencement
Once approved, a formal offer is issued, typically within a few weeks. Your policy is placed in force upon acceptance, with guaranteed renewability once cover is active.
Common questions
A few of the key questions clients usually ask before moving forward.
Can CoverHouse work with my existing advisers?
Yes. CoverHouse regularly works alongside buyers’ agents, mortgage brokers, and accountants to ensure your insurance aligns with your broader financial strategy.
Do you help with claims?
Yes. If you ever need to make a claim, the team manages the process, liaises with the insurer, and advocates on your behalf to achieve the best possible outcome.
Why does structure matter so much?
Because the right policy is only part of the picture. The amount of cover, the ownership structure, the features included, and the tax and cash flow implications all play a role in whether the cover supports your actual financial plan.
Book your free 15 minute insurance discovery session
If you want to understand how personal insurance can support your property strategy, cash flow, and long term wealth goals, submit your details below and the team will be in touch.