Risk Insurance

Risk insurance policies are financial products that will pay the policy holder if the ‘insured event’ – such as becoming unwell and being unable to work – happens.

Insured events include things like temporary illness, permanent illness, temporary injury, permanent injury, or the premature death of the insured person.

Risk insurances insure your good health, which is actually your most important financial asset. That is why risk insurances are almost always the essential first step in any financial plan. Insuring yourself against a loss of income or earning ability allows you to ensure that life for you and your loved ones goes on with the quality you want, even if something unwanted happens.

We provide the complete range of risk insurance services: death cover, total and permanent disability (TPD), income protection and trauma cover. We help you calculate the type and amount of each cover that you might need, as well as discuss other ways that you can protect yourself against financial loss.

We also show you how to minimise the premiums, especially after-tax, without unnecessarily compromising the quality of the policy or the level of cover that you acquire.

If cash flow is tight, we can assist you to find ways to insure yourself that minimise the demands on your day-to-day income. And, of course, as financial planners we can help you find ways to enhance your income. This makes everything more affordable, not just your insurances.

Heinrich Jacobs

Senior Financial Adviser

Heinrich is the Managing Director of Lightbulb Wealth Management and is responsible for leading the firm to execute its strategic objectives, while ensuring the firm’s high standards of client care are maintained.

Heinrich specialises in providing comprehensive advice to a wide range of clients, from affluent and high net wealth individuals and their families, executives, business owners, athletes, non-for-profit organisations, retail clients, through to self-funded retirees.

Heinrich assists his clients with a range of financial planning, investment and advisory services including investment selection, asset allocation, portfolio management and reviews, estate planning, trust advice, residential and commercial lending, and superannuation strategies including self-managed superannuation establishment advice and administration services.

Before founding Lightbulb, Heinrich held a number of corporate management positions at the ANZ Bank and Suncorp Bank. At ANZ, Heinrich led and managed teams working across the retail, affluent, and institutional business segments of the bank with a focus on leading teams and providing strategic advice to clients with a focus on their wealth management, lending, investment, and cross border transactional banking requirements.

Heinrich is passionate about helping Australians grow and protect their wealth and is a strong advocate for advice and improving the client experience. He regularly speaks at industry forums including CPA chapter events.

Heinrich holds a Master of Business Administration (MBA) from Southern Cross University, a Post Graduate Certificate in Management (Distinction) from the Australian Institute of Management, and a Diploma of Financial Planning.

Heinrich is a licensed Financial Planner AFP® and member of the Financial Planning Association of Australia, and a member of the Finance Brokers Association of Australia.

Outside of work, Heinrich enjoys spending time with his family. He is a former semi-pro tennis player with his claim to temporary fame being a straight sets loss against the former world number 3 and current coach of Roger Federer; Ivan Ljubicic.

Heinrich Jacobs is an authorised representative (1241405) of Lifestyle Asset Management Pty Ltd (AFSL 288421). Heinrich is also an authorised credit representative (475174) of Beagle Finance Pty Ltd (ACL 383640).

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