Same playbook.
Just for your cover.
You've got the budget app, the emergency fund, maybe a mortgage or a baby on the way. Insurance is the bit nobody explains properly: what it actually covers, what your super fund quietly already does (and doesn't), and how much it really costs. Skye works the same way Victoria does: we make it the easiest box you tick this year.
Personal insurance advice,
done properly.
- You earn an income you'd struggle without if you stopped working
- You have a mortgage, kids, or a partner you share life with
- You have default cover in super and don't really know what it does
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 help you work out what protection makes sense for you, 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, no piles of paperwork. Every meeting happens online at a time that suits you.
Real advisers, real advice
Qualified, experienced personal insurance advisers, not algorithms. We won't ask you to sign anything until you're informed and comfortable.
Upfront and transparent
We'll never recommend cover you don't need, and we'll tell you exactly what (if anything) you'll pay before any work begins.
5.0 across 269 Google reviews.
What clients say after the call. 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 1199 recent client comparisons. See the full breakdown by super fund →
Sound like you? Book a 15-min chat →Three steps. Four to six weeks. One adviser.
15-min phone call
A relaxed chat to learn what matters to you and confirm we're the right fit. No pressure, no jargon.
We do the research
We compare multiple insurers, pre-assess your situation, and build a strategy that's actually right for you.
You decide
We walk you through your options in plain English. You choose what's right, 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 $770 depending 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. We listen, ask questions, and figure out if we can help. If we can't, or if you already have the right cover, we'll tell you. We only build advice for people who actually need it.
What if I already have cover through my super fund?
We'll review what you have first. Default super cover is fine for some people and a poor fit for others. We'll tell you whether it's working for you, and only suggest changes if there's a meaningful improvement. See the 'What you might save' section above for the average outcome across recent clients.
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, not to push you into something new.
I'm in my late 20s. Is this even relevant for me?
Yes, and it's actually the easiest time to lock cover in. Premiums are lower, your health is on your side, and underwriting is faster. The earlier you sort it, the cheaper and simpler it stays.
How long does it take to be covered?
Usually 4 to 6 weeks from your fact find, the session where we go through your situation in detail, to your advice being presented. Applying and underwriting take additional time on top of that, depending on the insurer and your health.
Hi, I'm Phil.
I founded Skye Wealth because the personal insurance industry was making advice harder than it needed to be. 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 for you.
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. Promise.
Book a free 15-min chat →Or email us at hello@skye.com.au if you'd rather start there.