Book a Discovery Call
Lighthouse on a coastal headland in morning light
Our Services · Personal Insurance

Protect what you're building.


The best financial plan can be undone by a single unexpected event. Personal insurance protects your income, your family and everything you're working toward — structured correctly, and never over-sold.

Book a Discovery Call All Services
What's involved

The right cover —
and the right structure.


We help you understand which cover you actually need, and how much, so you're neither dangerously under-insured nor paying for protection that doesn't fit your life.

Getting the structure right matters as much as the cover itself — including whether policies are best held inside or outside superannuation for cost and tax efficiency.

Talk to an adviser
Cover we advise on
  • Life coverA lump sum for your family if the worst should happen.
  • Total & Permanent DisabilitySupport if you can no longer work due to serious disability.
  • Critical Illness / TraumaA lump sum on diagnosis of a serious medical condition.
  • Income ProtectionReplacing part of your income if illness or injury stops you working.
  • Ownership & structureAdvice on holding cover inside or outside super for efficiency.
Coastal headland with soft clouds at dawn
Zinos Wealth

Certainty for the moments you can't predict.

Who it's for

Peace of mind for the
people who rely on you.


Income earners

Protecting the earnings your lifestyle and plans depend upon.

Families & mortgages

Making sure dependants and debts aren't left exposed.

Business owners

Covering key people and personal liabilities tied to the business.

Related services

Advice that connects

Are you and your
family covered?

Book a complimentary discovery call and we'll review your protection — honestly, and with no pressure.

Book a Discovery Call