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Our services


At GRM we aim to provide our clients, who predominately come from the Professional Services area, with flexible and appropriate Risk Management Strategies to Eliminate/Transfer/Control the risks identified.

Life Insurance

Life Insurance is all about providing your loved ones with financial security when you are no longer around to do so. When you die your beneficiaries will be paid a lump sum benefit to go towards their continued living expenses. It will give them peace of mind when the last thing you should be worried about is paying bills.

Critical Illness

Critical Illness Cover protects you in the event of a serious illness with a lump sum payment to go towards medical expenses, reduce debt and any additional care and rehabilitation you may require. With increasing incidence of cancer, heart disease and stroke it is something that many of us will experience.

Total & Permanent Disability

If you can’t work, you can’t earn. And if you can’t earn, your life choices become very limited, very fast. TPD insurance provides a tax-free lump sum payment that can help change that. A lump sum payment can help you maintain your investment strategy, cover mortgage repayments, day-to-day expenses, ongoing care, medical bills and home modifications to give you and your family the option to enjoy the future the way you would like.

Income Protection

Your ability to work is your biggest financial asset so what happens when you are no longer able to? Income protection replaces your income if you are no longer able to work due to sickness or injury. You wouldn’t consider driving your car without insurance or not protecting you house and contents yet most Australians do not insure their income.

David Gates

Principal Adviser

David Gates

Principal Adviser