Your income's outgrown
your default cover.
Your super's default insurance was built around an average wage and a generic risk profile. It caps your benefit period, undersizes your sum insured, and quietly carves out what actually pays at higher incomes. Skye works the way Pivot does: show you what you've got, show you what's missing, scale it to what you actually need.
Personal insurance,
built to your income.
- You earn an income that's outgrown your super's default cover
- You're carrying a mortgage, investment debt, or supporting people who count on you
- Your super default decided your cover years ago, and you've never re-quoted it
If any of those sound like you, here's what we help people set up:
Income protection
Life insurance
Total & permanent disability
Trauma cover
Our role is to work out what protection makes sense for your situation, what doesn't, and how to structure it properly so it's there when you need it.
Why people stick with us.
Online, not offline
No driving to an office. Every meeting happens online at a time that works for you.
Real advisers, real advice
Qualified personal insurance advisers, not algorithms. We won't recommend cover you don't need.
Upfront and transparent
You'll know the exact fee before any work begins. One once-off cost. No ongoing charges.
5.0 across 267 Google reviews.
Real names, real cover, real outcomes.
“Phil and the team have been fantastic in helping me sort my insurances. Phil explained everything clearly and the team were super responsive. 10/10 would recommend.”
“Excellent help updating my policies. Simple from start to finish, and Trent was particularly helpful when my circumstances changed mid-application.”
“Quick, easy and straightforward. Azaria handled the scary parts so all I had to do was provide my details. Loved working with this team.”
“Knowledgeable and responsive at every step. I sleep at night now knowing I have quality insurance. Only wish I had done it sooner.”
One once-off fee. Nothing ongoing.
Our advice fee covers everything from initial assessment through to your policy being placed. You know the exact number before any work begins. No hidden charges. No ongoing fees.
Fees may differ slightly based on your situation. All fees are once-off. There are no ongoing advice charges.
Adviser-only products. Better numbers.
As advisers we have access to products you can't buy direct or through your super fund, with broader definitions and stronger features. Across our recent client base, here's how the numbers compare:
Based on 850 recent client comparisons. See the full breakdown by super fund →
Sound like you? Book a 15-min chat →Three steps. A few weeks. One adviser.
15-min phone call
A short call to learn what you actually earn, what you're carrying, and what your existing cover looks like. No pressure.
We do the research
We compare multiple insurers, pre-assess your situation, and build a strategy scaled to your real income. Not your super's average.
You decide
We walk you through your options in plain English. You choose what fits, or walk away. The advice is yours either way.
You don't need to know what cover you want before you speak to us. That's our job.
The bits people actually ask.
Is there a fee?
Yes. A once-off advice fee, ranging from $330 to $770depending on your situation. You'll know the exact number before any work begins, and there are no ongoing fees. Full pricing is in the section above.
Will I get a sales pitch?
No. The first call is a conversation, not a pitch. We listen, ask questions, and figure out if we can help. If we can't, or if your existing cover already fits, we'll tell you. We only build advice for people who actually need it.
I already have cover through my super or employer. Isn't that enough?
Often not, if you're earning above the average. Default super cover is built around an average wage and a generic risk profile. It caps your benefit period, undersizes your sum insured, and carves out conditions that matter at higher incomes. We'll review what you have first. If it's working, we'll say so. If not, we'll show you exactly what's missing.
Do I have to switch insurers?
No. Plenty of clients keep their existing cover after a review. Our job is to give you a clear picture of what you've got versus what you need, not to push you somewhere new.
Can I get cover that scales with my income?
Yes. Retail income protection policies let you insure a meaningful percentage of your actual pre-tax income, typically up to 70%, with some policies paying up to 90% for the first six months. Default super cover usually doesn't go that high. We'll work out what your real maximum is.
How long does it take to be covered?
Typically 2 to 6 weeks from your first call to your policy being active, depending on the insurer and any underwriting needed. We keep you updated at every step.
Hi, I'm Phil.
I founded Skye because the personal insurance industry was making advice harder than it needed to be, especially for clients whose situations had outgrown what super defaults assume. We do it the opposite way: clear conversations, no jargon, no surprises.
When you book a call, you'll speak to me or one of the qualified advisers on our team. We'll work out together whether Skye is the right fit.
Authorised Representative · Thompson Financial Services Pty Ltd ACN 162 326 552 t/as Skye Wealth · Corporate Authorised Representative of Skye Money, AFS Licence No. 545313
Book your call.
One short call to see if Skye's a fit. No obligation. No jargon. No hard sell.
Book a free 15-min chat →Or email us at hello@skye.com.auif you'd rather start there.