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Insurance Claim Assistance for Policyholders
When a claim event occurs, your insurer has a team of specialists working to assess your claim. Build MyWealth works for you. We manage the process, the documentation and the communication so you can focus on recovery.
What claim assistance actually involves
Most policyholders do not know that a licensed financial adviser can assist them through an insurance claim. The claim process involves medical documentation, financial evidence, policy interpretation, and ongoing communication with the insurer. Each of these is a point of failure for claimants who navigate it alone.
Build MyWealth provides claim assistance as a standalone service on a fixed fee basis. We review your policy, identify the relevant definitions and obligations, prepare the claim documentation, liaise with the insurer on your behalf, and where necessary, escalate disputed claims through the appropriate dispute resolution channels.
The value of claim assistance is not just administrative. Policy definitions, particularly for income protection and TPD, are technical documents. Whether a claim is accepted often depends on how the medical and financial evidence is presented against those definitions. An adviser who understands both the policy language and your personal circumstances is significantly better positioned to support a successful outcome than a claimant acting alone.
We have assisted clients through life insurance, TPD, trauma and income protection claims across multiple insurers. Our experience covers straightforward claim lodgements and disputed claims that required escalation.
Income protection disputes often trace back to a policy that was replaced or downgraded without a full comparison of definitions; if you are weighing up a change, see our guide on should you replace your expensive income protection.
Fixed fee claim assistance, no surprises
Build MyWealth charges a fixed fee for claim assistance. There is no percentage of the claim benefit, no commission, and no ongoing fee arrangement tied to the claim outcome. You know exactly what the service costs before we start.
This matters because it means our interests are aligned with yours from the beginning. We are not incentivised to extend the engagement or to recommend policy changes. We are engaged for one purpose: to help you navigate a claim successfully.
Our fixed fee structure reflects the scope of each engagement. A straightforward income protection claim involves different work to a disputed TPD claim that requires escalation to the Australian Financial Complaints Authority. We will scope the engagement and confirm the fee in writing before beginning any work.
Who this service is for
- Policyholders who have experienced a qualifying event and need to lodge a claim.
- Existing Build MyWealth clients whose claim event has occurred.
- Policyholders who have had a claim denied or disputed and need assistance with escalation.
- Individuals who are not current Build MyWealth clients but need client-side claim support.
How the process works
Four steps, from first review to decision
Scope and fee confirmed in writing before step one.
Initial review
We review your policy documents, the claim event and the relevant definitions, and identify documentation needs or complications before lodgement.
Documentation
We prepare or review the claim form, medical evidence, financial evidence and anything else the insurer requires.
Insurer liaison
We manage communication with the insurer, respond to requests and track the claim through to a decision.
Dispute, if needed
If a claim is denied or disputed, we help you prepare the complaint and support you through the insurer’s internal dispute process and, where appropriate, the Australian Financial Complaints Authority.
Common questions
Can Build MyWealth assist with a claim if we are not an existing client?
Yes. Claim assistance is available as a standalone fixed fee service. You do not need to be an existing Build MyWealth client to engage us for claim support. We will review your policy and the nature of the claim event before confirming whether we are able to assist and what the fixed fee will be.
What types of insurance claims can you assist with?
We assist with life insurance, total and permanent disability, trauma and income protection claims. We have experience with claims across the major Australian life insurers. We do not assist with general insurance claims such as home, motor or public liability.
What does a fixed fee claim engagement include?
The fixed fee covers initial policy review, documentation preparation, insurer liaison through to a decision, and one round of dispute resolution if required. If the engagement requires additional scope beyond what was agreed at the outset, we will confirm any additional fee in writing before proceeding.
What if my claim has already been denied?
A denied claim is not necessarily a final outcome. Insurers have internal dispute resolution processes and policyholders have the right to escalate to the Australian Financial Complaints Authority. We have assisted clients through both pathways. We will review the denial decision, the policy language and the available grounds for escalation before advising on whether proceeding is likely to be productive.
Advice led by Sangram
Sangram Rana
Principal Financial Adviser. Qualified accountant and registered tax agent.
Strategy and key advice meetings are led by Sangram, with the Build MyWealth team supporting analysis, preparation and implementation.
Sangram Rana is a 2026 Australian Wealth Management Awards finalist for Adviser of the Year, Estate Planning, and an IFA Excellence Awards finalist for Risk Adviser of the Year in 2022, 2023 and 2025. Build MyWealth is a 2026 IFPA Australian Financial Industry Awards finalist for SMSF Practice of the Year.
Get client-side claim support
Request a consultation to discuss your claim situation. Fixed fee. No obligation to proceed until scope and cost are confirmed in writing. Your first meeting is a 30-minute online conversation with Sangram Rana. We reply within one business day.
General advice warning: any advice on this site is general in nature only and has not been tailored to your objectives, financial situation or needs. Before acting on this information, consider whether it is appropriate for you and seek personal advice.
Build MyWealth is a trading name of Accounting Cloud Pty Ltd. Accounting Cloud Pty Ltd is a Corporate Authorised Representative (No. 1306106) and Sangram Rana is an Authorised Representative (No. 1251526) of Lifespan Financial Planning Pty Ltd (AFSL 229892). This page contains general information only and does not constitute personal financial advice. Financial Services Guide available at lifespanfp.com.au.
Rates and thresholds should be confirmed on ATO published pages at the time of implementation, as indexation and legislation changes can occur.