The Financial Protection Your Estate Plan Needs.
A will organises what you leave behind. Life insurance funds your family while they navigate it. Through our partnership with HAE Insurance, we help you put both pieces in place.
- Life Cover
- Income Protection
- TPD
- Trauma Cover
Estate planning isn't complete without it
Your will and your insurance need to work together.
Most Australians focus on getting their documents in order — the will, the power of attorney, the superannuation nominations. Those are essential. But documents alone don't pay your mortgage, replace your income, or fund your family through a crisis. That's what insurance does.
- Your will distributes your assets. Life insurance funds your family while they wait.
- Super binding nominations direct your death benefit — but only if there's enough in super to matter.
- Income protection covers the gap if you're incapacitated but still alive — your will doesn't.
- Trauma cover gives you options during recovery that no estate plan can provide.
Four Types of Cover. One Trusted Partner.
HAE Insurance specialises in helping Australian families access the right life insurance solutions — simply, professionally, and cost-effectively.
Life Cover
A lump sum paid to your family if you die. It covers the mortgage, replaces your income, and gives the people you leave behind financial breathing room at the hardest moment of their lives.
Total & Permanent Disability
If you're permanently unable to work due to illness or injury, TPD cover pays a lump sum to help fund ongoing care, modify your home, and protect your family's financial future.
Income Protection
Replaces up to 70% of your income if you're unable to work due to illness or injury. Because your ability to earn is likely your most valuable asset — and most people never insure it.
Trauma / Critical Illness Cover
A lump sum paid on diagnosis of a serious condition — cancer, heart attack, stroke, and more. Gives you the financial freedom to focus on recovery without worrying about the bills.
Cover and Documents Working Together
Getting insured and getting organised are two sides of the same plan. Here's how it comes together.
Speak to HAE Insurance
HAE's specialist team will walk you through your options based on your age, health, income, and family situation. No pressure, no jargon.
Get the right cover in place
HAE handles the paperwork and structures your cover tax-efficiently — including through superannuation where it makes sense.
Store your policy in Custodium Vault
Upload your policy documents so your family can find them instantly. The right coverage means nothing if no one can locate it.
Our partner
About HAE Insurance
HAE Insurance is an Australian specialist in life insurance solutions for individuals, families, and businesses. Their team of expert advisers provides fast, professional guidance — helping you understand your options and access the right cover without the complexity of traditional insurance processes. Cover can often be structured through superannuation for added tax efficiency.
Put the Complete Picture in Place.
Custodium Vault stores your estate planning documents. HAE Insurance funds your family if something goes wrong. Together, they're the plan every Australian family needs.
- Life, TPD, income protection & trauma cover
- Expert Australian advisers
- Store your policies in Custodium Vault