Insurances


When you have others who depend upon you, it is important to ensure you and they are adequately protected. Personal Life Insurances are crucial to the financial security of your family and your business, to ensure you can meet your current and future goals, maintain your independence, and live the lifestyle you desire.

Personal Insurance

    • Life Insurance
    Income Protection
    Trauma / Critical Illness Insurance
    Disablement Lump Sum Insurance


Protecting your family's assets is also important. If you cannot afford to replace the assets then it's advisable to insure for its replacement.

General Insurance

    Home and Contents Insurance
    Motor Vehicle Insurance
    Boat Insurance
    Farm Insurance
    Travel Insurance


Protecting your business, including its assets and people is important to ensure the business can continue to derive the income required to be successful, and to limit the potential liability the owners can be exposed to. It is also to comply with the law, which requires many insurance's to be in place.

Business / Commercial Insurance

    Professional and Trade Insurance
    Public & Product Liability
    Workers Compensation
    Business Expenses Insurance
    Group Life Covers for employees
    Succession Planning (Key-Man Insurance; Buy/ Sell Arrangements etc)



Our Solutions

At various times in your life, changing circumstances will affect your financial situation. At such times, appropriate advice is important, such as at the following times:

  • Approaching retirement
  • Staring a Business
  • Making a Career Move
  • Going from 2 Incomes to 1
  • Having a child
  • Wanting to buy your first home
  • About to enter the workforce
  • Recipient of an inheritance or a windfall
  • Separation or divorce
C J D'Cruz Pty Ltd trading as Personal Wealth Group
is an Authorised Representative of AMP Financial Planning Pty Limited
ABN 89 051 208 327 AFS Licence No. 232706
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