Finance and Wealth > Life insurance

Life insurance

Protect what truly matter in your life. Have greater peace of mind that your loved ones will have a financial safety net, should the unexpected happen.


Cover that suits you

Receive from $100,000 up to $1 million in life insurance cover – it’s your choice. 

Emergency medical access

Access your insurance early if you’re diagnosed with a terminal illness

You’re covered globally

 Rest easy knowing you’re covered all day, everyday no matter where you are. 

Flexible coverage

Let us find you the right insurance to match your needs. Increase or decrease to match your needs. 

What is life insurance?

Life insurance helps protect your family’s financial future and gives them options if you are no longer around. Often, the best time to think about life insurance is when your life circumstances change, like after getting married or if you’re expecting a baby.

If you pass away or become terminally ill, a lump sum payment can be used to give your loved ones options with how they manage future expenses like mortgage repayments or debt, or provide for future financial needs such as school fees or living expenses.

Looking for income protection?

If you’re unable to work, income protection can help cover your salary. Learn more

Meet our specialists

Timothy Foster

Timothy is a Certified Financial Planner, Life Risk Specialist, a member of the Financial Planning Association and holds an Advanced Diploma in Financial Planning. Timothy has more than 25 years’ experience within superannuation (especially Public Service superannuation), banking, accounting and financial planning organisations (both in Australia and overseas). His ability to explain complicated strategies and finances in a clear, simple and understandable manner, places him in high demand to speak at seminars and conferences throughout Australia.

 Timothy Foster's qualifications include Certified Financial Planning (CFP), Life Risk Specialist (LRS) & Advanced Diploma of Financial Services (Financial Planning).

Paul Hatzigeorgiadis

APS Financial Planning is proud to introduce our new Financial Planner, Paul Hatzigeorgiadis. Paul has over 25 years’ experience in the financial services sector, commencing his career in 1996. Throughout this time Paul has seen how his quality advice helps people to get through tough times and enjoy the good times.

Over Paul’s history, he has provided advice to an extensive range of clients, ensuring he understands their individual needs and future goals.

Talk with Paul for an appointment today on (03) 9322 2000, 1300 131 809 or email paul.h@apsfinplan.com.au.

   Financial services guide
   Timothy Foster and Paul Hatzigeorgiadis • PDF • 331KB

We’re here to help

Write to us


1300 131 809
8:30am to 5:00pm


Send us an email at

Drop in

440 William Street, West Melbourne VIC 3003

Financial planning services are provided by APS Financial Planning Pty Ltd. APS Financial Planning Pty Ltd and its Advisers are authorised representatives of Fortnum Private Wealth Ltd – ABN 54 139 889 535. AFSL 357306.

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