• Britannia
  • Financial protection for families
  • Financial protection for wage & salary earners

Income protection insurance and more…

Financial protection for wage & salary earners

Looking for the RIGHT income protection insurance or trauma cover to suit your particular needs? You’ve come to the right place. Here’s why…

In the event of trauma

Thousands of people every year suffer a major trauma and are forced to give up work. If this happens to you, the loss of income forces big changes to the lifestyle you’re accustomed to.

With so many adjustments to make, you don’t want to be stressed out over money on top of everything else. What you do want is the ability to pay off your debt and provide enough money for you and your partner to keep on living the lifestyle you’re used to.

That’s why it’s vitally important to have confidence in your insurance advisor and the income protection insurance and trauma cover they recommend to best protect you.

Trauma & life insurance

A trusted advocate

It’s also important to know you’ll be looked after throughout your relationship with your insurance broker, long after the sale is made. This is especially important in times of crisis, when you need it most.

Even early on when you’re organising your income protection insurance and trauma cover, it’s nice to have an advocate who communicates simply, in plain English. Someone who’ll explain the reality of your situation in a way that is meaningful to you. You certainly don’t need a “brochure dropper” out to get an easy sale.

Maximum benefit from your insurance

Our number one focus is our clients, and ensuring all their needs are met. We’ll help you avoid typical insurance mistakes and see that you get maximum benefit from your insurance with…

  • Our very personal service.
  • Taking the time to create the right solution for you.
  • Ian Wallace’s encyclopaedic knowledge of income protection insurance policy wordings.
  • Our high levels of expertise and vast experience working with wage & salary earners.


Phone UsTo discuss your income protection insurance and trauma cover needs, without obligation…
Phone 09 414-4215 (click to call) or email us now.

How we make sure your income protection insurance and trauma cover works properly for YOU…

Personal service

We’re interested in you and we get involved. You have one point of contact. You’re not just a number to us. We get to know you and your partner. And you’ll find us very accommodating if you have difficulty finding the time to see us.

The right solution

We’re focused on the right solution for you, not the commission. We always recommend the income protection insurance and trauma cover that will give you the best possible outcome. Ian Wallace’s knowledge of policy wordings means we can cover you for actual circumstances, often at no extra cost. Our aim is to get you the best possible settlement by recommending the product with the best coverage. Example: One independently-ranked product with the best policy wordings is also one of the least expensive. You’ll pay up to 50% less than another leading company’s policy we could (but don’t) recommend, even though it would earn us more commission.

A walking encyclopaedia

Ian Wallace has both an encyclopaedic knowledge of all insurance companies’ policy wordings, and the rare ability to leave out the mind-numbing insurance gobbledygook and explain things in layman’s terms. So whatever you want to know, ask away. You’ll get straight, plain-English answers.

Huge expertise

Ian has even been used as an expert witness, which is confirmation of his high levels of expertise. It’s reassuring to know you have someone of his standing behind the team at Wallace Insurance Brokers when you need it.


I don’t have children to leave my estate to, so why do I need income protection insurance and trauma cover?
Insurance is not about leaving an estate or inheritance to a family. It’s about taking care of the people you would otherwise have supported with your lifetime income and care.

It’s a choice to leave funds behind for family but often not really necessary for people with no dependents. We work with your needs first and then take care of any specific wishes you may have.

How often do insurance companies actually pay out on claims? Don’t they look for any loophole and do everything they can to avoid paying out?
If you are honest and declare everything when applying for the insurance, you can feel safe. Insurance companies don’t actively look for ways out of a claim, but errors and omissions do hold up or even prevent claims. We advise you on how to make sure that doesn’t happen.

How much is it going to cost?
There will naturally be an ongoing investment towards whichever income protection insurance and trauma cover products are required to ensure your financial needs are protected, which you pay direct to the insurance company. But our services – initial consultations to analyse your needs and recommend the most appropriate policy and cover, ongoing monitoring of your situation, and being an advocate if needed at the time of claim – are entirely free.

Do you charge a fee for consultations?
Our consultation time is completely obligation-free. We only receive payment direct from an insurance company.

Will I need to have medicals and see doctors?
This will depend on the nature of the protection we arrange for you. If a blood test is required, we can arrange for a lab technician to visit you at your convenience.


Phone UsTo discuss your income protection insurance and trauma cover needs, without obligation…
Phone 09 414-4215 (click to call) or email us now.

Check out these client stories…


Jenny* was a hard-working single nurse who enjoyed life and her new role as a grandmother. Working in a psychiatric unit was challenging but rewarding. Until the day she was the first on the scene of a traumatic situation involving a patient. Jenny was back at work the next day, but the event continued to haunt her. The stress became too much and she had to resign her position due to depression.

Five years previously she had reviewed her needs with Ian Wallace and put in place both income protection insurance and mortgage protection. Ian helped her make a claim on both policies, which enabled her to concentrate on getting well without the added burden of worrying about the mortgage and how to pay her bills.

* N.B. Jenny is a real person but we’ve changed her name to protect her privacy.


“I was in the process of buying a house and was looking into life insurance to cover the mortgage if anything should happen. My parents used to be insurance brokers and Ian has the same approach as my Dad did.”

“With a lot of businesses I’ve dealt with there’s not enough focus on the actual person rather than the profit. Ian’s a lot more thorough in actually providing the person with what they need. He’s genuinely, keenly interested in his clients.”

“He doesn’t need to take on more business to survive so he takes a more personal approach because that pressure’s not there. He’s successful and doesn’t need to worry about making a certain amount of money each month. Because that’s the case, you get more care and focus.”

“If I ask Ian a question he’ll answer it with no pussy-footing. There’s a direct approach and you get a straightforward answer. He’s relatively quick to the point.”

“I didn’t do heaps of due diligence on other companies. It was more a case of finding that Ian spoke and dealt the same way as my father did. Dad was in insurance for over 25 years and owned his own business for over 10. He was exceptionally well respected in the community of insurance. I thought there’s just too much the same here for me to look past it.”



Phone UsTo discuss your income protection insurance and trauma cover needs, without obligation…
Phone 09 414-4215 (click to call) or email us now.