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Our services

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Personal Risk Management

Whether you are temporarily or permanently unable to earn income, there will be a financial impact on your life, and on the lives of those important to you. Our Financial Advisers know that your insurance needs are as unique as you are, and you deserve their personal attention. To start, they will meet with you to first understand your goals, needs and risks, and then put together a personalised Risk Management plan made specifically for you.

Our Financial Advisers offer advice and cover in the following areas:

Life Insurance​

Provides a lump sum payment to a nominated beneficiary in the event of death. This cover ensures that a family is not disadvantaged financially in the event that the insured person is no longer around to provide financial support.

Total & Permanent Disablement Insurance

Provides a lump sum payment if the insured is diagnosed as being unable to work due to serious sickness or injury. This benefit can be used to cover medical costs or to supplement personal income.


Trauma Insurance

Provides a cash lump sum payment upon diagnosis of a specified illness or injury. This cover is designed to help with the financial impacts of a trauma or crisis, such as heart attack, stroke, cancer or other life-threatening condition.


Income Protection Insurance

Replaces a percentage of the income of the insured if they become unable to work due to sickness or injury. This is most relevant for anyone who relies on their salary to meet financial obligations and commitments.


Health Insurance

Health insurance gives you peace of mind knowing that you can get the medical treatment you need, when you need it. Health insurance provides:

• Faster access to treatment by avoiding public hospital waiting lists.

• Less financial stress by reducing your costs of private treatment and time off work

• More choice over when you receive treatment for qualifying medical conditions.

• We can offer a range of covers to suit your budget.

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Business Risk Management

Our Financial Advisers can offer advice and cover in the following areas:

Key Person Insurance

All businesses depend on certain key people to function such as the business owners, executives and any highly skilled employees. These key employees are responsible for generating revenue, managing the daily operations of the business, and strategically planning the direction of the company.
The sudden death, unexpected illness or disablement of any of these key employees can have a significant financial impact on the business. These events are impossible to predict, so it’s extremely important that your business is protected for any eventuality.
Insurance for a “key person” provides a lump sum payment to protect against the financial consequences associated with unexpected events affecting key personnel of a business. These could include providing funds to pay expenses and debts or replace lost revenue to keep a business financially stable.

Shareholder Protection

Shareholder protection establishes a mutually agreed business value for your company on a regular basis; usually annually. It creates an automatic mechanism for an unplanned “life risk” event (e.g. TPD, Terminal illness or death)
Shareholder Protection produces cash quickly via life insurance to enable the deceased (terminally ill or permanently disabled) shareholder’s estate to get cash out of business by transferring shares to surviving owner/s. It also allows the surviving shareholder’s to be able to pay out Current Account and Capital immediately to deceased (or permanently disabled) shareholder’s estate.

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Employee Benefits

We recognise that a critical factor in maintaining a long-term successful culture in your business, given our fast-changing competitive workplace, is to provide an Employee Benefit solution which provides non-cash benefits and underpins your organisation’s future performance.

Our Financial Advisers can work with you to design a package that suits your business and budget.

Cover provided through Group Insurance varies, but it might include Life Insurance, Total and Permanent Disability (TPD) or even Group Salary Continuance (Income Protection) and Health insurance.

In offering an Employee Benefit package to your employees you are providing them peace of mind that their family will cope financially in the event of their death. Furthermore, this type of cover benefits the business as a whole as it can protect against the expense of unpredictable long-term sick leave.

The other benefits of offering Group Life Insurance Include:

• Increased happiness and motivation of employees

• Increased employee retention rates through attractive employee benefits

• Loyal employees and a strong reputation as a good employer.

Morris & Co Financial Advisers does not provide Investment or Lending Advice.

For further advice here visit our sister company 

Trilogy Financial Solutions

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Employee Benefits
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