Power up your
risk advice
Practical tools, calculators, and adviser support designed to save time, improve client understanding, and strengthen your advice process.
Risk Toolkit is here. Our fact find, needs calculator and client tools now sit together in one login, with new tools added regularly.
Head over to Risk Toolkit for the latest, or browse the other support items below.
Tools that support the advice conversation
We build practical apps that replace spreadsheets and manual workarounds, designed specifically for risk advisers.
Our two apps
Risk Companion
riskcompanion.com.au
The complete advice system. One client goes in at the first meeting and comes out with a Statement of Advice, without the file being rebuilt at every step. Data collection, needs analysis, research, strategy, pre-assessments, tasks and the advice document in one place.
Risk Toolkit
risktoolkit.com.au
Pick the tools you need and add more as they arrive. Fact find, needs analysis, RiskAssessor and the engagement tools, with client records and LifeRisk Online research included. New tools are added regularly.
Free tools you can use today
Client-friendly starting point for needs discussions.
A simplified calculator you can share with clients to help them sense check their cover before going deeper.
- Quick and easy for clients to use themselves
- Helps surface gaps and questions early
- Based on the same principles as full needs analysis
Early stage conversations. Share this with clients before or after an initial discussion to help them think through what their family might actually need if something happens.
It’s a simple way to surface gaps, prompt better questions, and give context before moving into a more detailed needs analysis.
On Life Insurance guide
Interactive guide and calculator for client conversations.
A simple way to help clients understand what their super cover actually provides – and where it may fall short.
- Highlights common gaps in default cover
- Helps frame “is this enough?” discussions
- Useful early in the advice journey
- Easy to share as a pre- or post-meeting resource
Starting the “is this enough?” conversation. Use this guide and calculator to walk clients through what their default super cover actually provides, and where it may fall short.
It’s a helpful way to move from assumptions to a more informed discussion, and sets up a natural transition into reviewing or refining their overall cover.
On Life Insurance guide
Now inside Risk Toolkit
Now part of Risk Toolkit. Structured life, TPD, income protection and trauma needs for individuals and couples, built straight off the client’s fact find. No re-keying.
- Life, TPD, IP and trauma cover calculations
- Single and joint client scenarios with linked calculations
- Clean PDF needs analysis report output
During the advice conversation. Run a structured needs analysis in real time with the client – or prepare it ahead of the meeting. Output feeds directly into your SoA documentation and supports your needs methodology disclosure.
Risk Toolkit subscription required
Now part of Risk Toolkit. Send a blank fact find before the first meeting, or a pre-filled one at review. Clients complete it online and it flows into their record.
- Adviser-controlled secure client links
- Short, client-friendly intake form - not a lengthy fact find
- Flows straight into the Needs Calculator, no re-keying
- Designed to minimise sensitive data capture
Before the first meeting. Send the link as part of your pre-meeting process. Client completes it in a few minutes. You arrive to the meeting with clean data already in hand – less rekeying, cleaner conversation.
Risk Toolkit subscription required
Advice Fee Deductibility
Part of the Engagement pack. Formerly Tax Deductibility Calculator
Now part of Risk Toolkit’s Engagement pack. Apportion your advice fee across the client’s covers, then hand over a tax invoice summary and keep an adviser summary on file.
- Premium apportionment calculator for mixed-purpose policies
- Tax invoice summary for the client, and an adviser summary for your file
- Aligned with current ATO and industry guidance
Advice and review conversations. Use the calculator to determine deductible portions of premiums for clients. Generate a PDF output that supports your file notes and provides clear guidance to the client’s accountant.
Risk Toolkit subscription required
Super Impact Projection
Part of the Engagement pack. Formerly Super Insurance Impact
Now part of Risk Toolkit’s Engagement pack. Show how paying premiums from super affects the client’s balance over time, with a report to keep.
- Side-by-side super balance projection with and without premiums
- Choose the projection period, for one client or a couple
- Aligned with ASIC RG 276 default assumptions - adviser-adjustable
- Printable report with graph and year-by-year table
When recommending insurance inside super. Best interests duty requires you to demonstrate the long-term impact on retirement balance. This tool produces a compliant, professional output – ready to drop into your SoA as an appendix without additional formatting work.
Risk Toolkit subscription required
And there's more on the way!
We’re building tools to reduce rework, improve consistency, and simplify what happens after the strategy is set.
Including:
- Pre-assessments support
- Workflow improvements
- SoA creation
- and more!
Resources You Can Use With Clients
Guides, eBooks and flyers built to support risk advice – things you can hand to clients, share before meetings, or use to start a conversation.
EBOOK
Life Insurance Made Simple
Plain-English guide for Australian consumers. Covers what life insurance is, how to get it, what to look for, and why advice adds value. Suitable to give to clients in support of advice conversations.
FLYERS
Client-friendly flyers
Simple one page flyers on the basics. Covering a variety of topics – from Trauma and child cover, to business covers.
Use them as-is, or have them branded for you.
EXTERNAL SITE
Life Insurance Guide
A growing consumer-facing reference site covering all aspects of life insurance. Educational, independent in tone, and built to support the value of using an adviser.
There is also a subscription-based adviser direcrtory, to help broaden your profile, leverage more content and connect with clients.
And that's just part of the story!
Risk Toolkit is built to grow, and new tools are added regularly. Risk Assessor is next. Head over to Risk Toolkit for the latest.
Our Business Life Insurance Made Simple eBook is out now, to sit alongside our popular Life Insurance Made Simple eBook.
What else would you like to see?
Let us know – we’re always keen to respond to what actually matters (ie makes a real difference).
Does any of this sound familiar?
Common frustrations we hear from advisers – and how we help.
You’re not alone. Most advisers know where they could save time - getting from frustration to practical change is the harder part.
We help you implement a few simple, adviser-safe options that immediately reduce admin, improve client communication, and actually fit your advice process – without needing to become a tech expert.
You might not rely on social media for leads – but your referrals and clients still look you up.
We help tidy up, align, and maintain your digital presence so it reflects the quality of advice you deliver, without you having to think about it week to week.
Agreed. Too much client-facing content is generic, salesy, or hard to trust.
We provide high-quality, compliance-aware content you can use as-is, customise with your brand, or build upon – including guides, flyers, calculators, and explainer tools designed for real conversations.
That might be true – but are you confident it reinforces trust when referrals and existing clients check it?
We offer practical health checks focused on clarity, credibility, and client understanding – then you decide if anything needs improving. No rebuilds. No pressure.
That's exactly what we're building. From needs calculators to client explainers and workflow tools, our focus is on practical support you can use in real advice situations – not shiny demos that don't fit your process.
Not sure where to start?
Here are three connected ways we support you
Strengthen your brand, improve client understanding, and lighten your workload with our suite of tools and services.
PRACTICAL SUPPORT
Risk Hub
A central, trusted place for practical help, saving time and supporting good client conversations.
- Up-to-date insurer PDS links
- Historical PDS library back to 2002
- Risk Conversations & Webinars
- Adviser tools & templates
CLIENT CONNECTION
Life Insurance Guide
Consumer-focused learning site that helps clients understand the fundamentals while positioning advisers as experts.
- Clear product explanations
- Life Insurance Needs Calculator
- Client-friendly guides & FAQs
- Public Adviser Directory
DIGITAL & AI SUPPORT
Digi Sidekick
Practical digital and AI support for risk advisers. Lifting your presence without the fuss.
- Profile optimisation
- Content help
- AI enablement
- Efficiency improvements