The Drive To Protect & Provide is Evolutionary

The Drive To Protect & Provide is Evolutionary

At Sapience Financial we're all about 'The How'

Life & Business Priorities Will Always Overlap

Life & Business Priorities Will Always Overlap

Business makes compassion work

Secure People Live Bigger Lives

Secure People Live Bigger Lives

Well-being comes from our control over our lives and money, and the confidence it brings, to explore the world and become a better version of ourselves

Freedom to Be You

Freedom to Be You

Financial freedom is different for everyone, but the feeling is the same

You're Always a Role Model for Someone

You're Always a Role Model for Someone

Amazing people don't just happen

Live Happy Work Happy

Live Happy Work Happy

In Life, Love & Business, do more of what makes you happy!

Create Purposeful Business

Create Purposeful Business

Life is too short not do something meaningful

The biggest mistake business owners make

The biggest mistake business owners make

We overestimate our ability to function well during times of immense emotional & professional stress, & underestimate the resources needed to survive, recover & rebuild

 

[ About Us ]

Sapience Financial combines Lived Experience with Technical Expertise

We understand living through tough times.

With more than 25+ years experience in specialty personal risk management, we're the recognised Industry Leaders in Personal Risk Protection Advice for Modern Small Business Owners and their Families.

  • We support Small Business Owners and Families to better manage their major personal risks of life, love & business
  • We believe Life & Disability Insurance allows us to protect and provide for ourselves & our families
  • As a technology-enabled financial advice business, we work seamlessly with busy clients Australia-wide across multiple time zones

The Sapience Financial group of specialty brands was born out of a personal understanding of what happens when a medical diagnosis stops you from working — you lose your health, then lose your job, then your career, and nearly lose your home — along with hope for a better tomorrow.

When you want to protect and provide for who's important to you, we can help you manage the hidden risks of facing an unpredictable tomorrow.

We call that 'Becoming More Life Confident'.

 

[ OUR BELIEF ]

Secure People
Live Bigger Lives

 

Nothing helps you boldly face the future like knowing you’re protected.

The Biggest Mistake Small Business Owners & Families make is they overestimate their ability to function well during times of immense emotional and professional stress, and underestimate the amount of resources they’ll need to survive, recover and rebuild.”

icon care

[ Our Services ]

What We Offer

Tailored Life Insurances Advice & Modern Estate Planning Services
for Small Business Owners, Partnerships & their Families
so they can protect themselves (and their families), from their business

Risk Insurance Advice for Small Business Owners

Different businesses all have unique strengths and needs, but their one common denominator is all businesses run on people and capital - and that's a risky combination.

Risk Insurance Advice for Families of Small Business

Nobody does their best work during an unexpected crisis. We all need a backup plan in place well before we face one of lifes potentially serious accidents or health events.

Modern Estate Planning & Wills for People

Many people mistakenly believe estate planning is simply about making a Will. They forget (or ignore) Modern Estate Planning involves creating 3 Key Legal Documents, all designed to help maintain their independence.

Modern Estate Planning for Companies

Most people are not aware that the role of Company Director cannot be inherited, gifted or exercised under a personal Power of Attorney. Companies need their own estate planning.

Purchase Key Legal Documents

Legally documenting your agreements is an important part of modern life and business. From Mutual Non-Disclosure Agreements to Partnership Agreements – we provide legally drafted documents to formalise your key legal decisions.

Purchase Key Family Documents

Preparing for the unknowing becomes a little more complicated in modern life. Documenting Loans to Family Members is now an important part of modern family life to protect them - and your good intentions - from future risks of addiction, bankruptcy & divorce.

Premium Services

Mortgages, Debt Consolidation & Refinancing, sorting out Super, Salary Sacrificing, Savings & Insurance Bonds, (Managed Discretionary Accounts & Unusual Investments - by invitation only). Talk with us about your needs.

Debt & Mortgage Refinancing

Manage your mortgage better. Consolidate debts, get a better interest rate, restructure for more flexibility, release equity, set up more flexible credit facilities for later. Prioritise your debt management.

Insurance Bonds

Insurance Bonds are a saving and investment vehicle that can help protect and build your wealth, and firewall your inheritance planning – without increasing your personal income tax.

 

Australian road sign kangaroos, wombats and Sapience Financial

Case File #35: The Accidental Partnership

  • Primary Personality Archetype: 🌱 The Steward (Rigidity Bias)
  • Systemic Risk: Structural Contagion (The Accidental Partnership)
  • Financial Impact: $1.2M Uncapped Personal Liability / Total Asset Exposure
  • Jurisdiction: Federal / National (Australian Partnership Law)
  • Verification: Partnership Litigation Audit / Registry Archive #35

Case File #35: The Accidental Partnership

The Unlimited Liability

Greg and a mate decided to 'go halves' on a landscape supply business. They didn't want to waste money on a company structure, so they operated as a partnership. Greg was the 'silent' money man; his mate did the work.

Read more …

Case File #34: The Life Interest

  • Primary Personality Archetype: 🕊️ The Peacemaker (Neglect Bias)
  • Systemic Risk: Structural Friction (The Life Interest Trap)
  • Financial Impact: $600,000 Asset Decay / Twenty Years of Family Litigation
  • Jurisdiction: Federal / National (Australian Succession Law)
  • Verification: Registry Archive / LGC Forensic Audit #34

Case File #34: The Life Interest

The Inheritance Interruption

Harry wanted to protect his second wife, Margaret, while ensuring his children from his first marriage eventually inherited the family estate. He granted Margaret a 'Life Interest' in their home she could live there until she died, then it would pass to the kids.

Read more …

Case File #32: The Loan Account

  • Primary Personality Archetype: 🌱 The Steward (Rigidity Bias)
  • Systemic Risk: Accounting Contagion (The Shadow Debt)
  • Financial Impact: $3.2M Estate Liability / Forced Asset Liquidation sc:05:Jurisdiction: Federal / National (Australian Corporations and Tax Law)
  • Jurisdiction: Federal / National (Australian Corporations and Tax Law)
  • Verification: Division 7A Compliance Audit / Registry Archive #32

Case File #32: The Loan Account

The Shadow Debt

Brian used his company like a private bank for twenty years. Every house renovation and holiday was funded by the 'Director Loan Account.' He assumed the debt was an accounting fiction that would die with him. He was wrong.

Read more …

Case File #31: The Lost Minute

  • Primary Personality Archetype: 🏛️ The Architect (Inflexibility Bias)
  • Systemic Risk: Evidentiary Erasure (The Minute Void)
  • Financial Impact: $285,000 Dividend Re-characterisation Tax / Audit Penalties
  • Jurisdiction: Federal / National (Australian Corporations and Tax Law)
  • Verification: ATO Division 7A Audit / Registry Archive #31

Case File #31: The Lost Minute

The Dividend Trap

Arthur ran his engineering firm with a 'cash is king' mentality. When the company had a surplus, he drew funds for his lifestyle, telling his accountant, 'We’ll fix the paperwork at tax time.' He died suddenly in April, two months before the financial year ended.

Read more …

  1. Case File #30: The Bare Trustee
  2. Case File #29: The Shadow Director
  3. Case File #28: The Trustee’s Trap
  4. Case File #26: The Landlocked Legacy
  5. Case File #24: The Ghost in the Deed
  6. Case File #23: The Corporate Veil

Forensic Files

Penny Dreadful Archive

Page 4 of 7

[ Our Focus ]

Types of Businesses We Work With

We Support Business Owners Like You

We're also a Small Business & can help you protect what you've worked so hard to achieve,
 so you can provide a more predictable future for you and your family

Sole Traders

👥
Sole Traders, Tradies, and Solopreneurs There are an increasing number of people who choose to start a business with no intention of ever adding staff — the Sole Trader Small Business Owner — and this business... Read More
smiling female and male business partners in comfortable conversation

Partnerships

👥
Partnerships An increasing number of professionals choose to start a business with another person in a Partnership structure. Joining forces with others in a business can make a good idea better, as increased... Read More
Multiple business owners at a work desk

Company & Multi Owner Businesses

👥
Company & Multi Owner Businesses While an increasing number of professionals choose to start a business with another person in a Partnership, a Company structure suits the needs of many modern small... Read More

[ Business Services Include ]

Types of Business Life Insurance

If someone mentions life insurances for businesses, there's a reasonable chance they're referring to one of the following

Four Core Small Business Insurance Strategies

Fixed Expenses Protection

All businesses have Fixed Expenses (aka Fixed Overhead costs) that keep-the-doors-open-for-business. Fixed Expenses Protection can shield the business from the financial drain of needing to continue to pay the cost of these ongoing overheads, during a serious sickness or illness of the owner or its key people.

Key People Protection

This helps safeguard a business against the financial impact of a critical illness, disability, or unexpected death of a Key Person to the business. It can also help pay off any outstanding business loans in the event of a critical illness, disability, or unexpected death of the Owner or a Guarantor of a loan, during the length of the policy.

Business Debt Protection

When a business has Business Debts, whether loans from the owner, shareholders or their family - or from more formal funding secured by personal assets and Directors guarantees, Business Debt Protection insurance can protect the business, and the family that supports it, from the debt.

Ownership & Shareholder Protection

If your share of a business is your most valuable asset, protecting your ownership of the business for you and your family is essential. Ownership Protection aims to cover all outstanding business debts and liabilities in the event of an owner's departure from the business due to disability, traumatic illness or injury, or unexpected death.

[ Our Stories ]

People We Work With

We Support People Like You

The one constant in modern life is change & people's needs can change with each new relationship

Singles

👥
Singles Relationship status is no indicator of financial responsibility or business skills. You can be young and starting out or older and established - and both enjoy living the single life. You might be... Read More

Partnered

👥
Partnered Sharing life and business with someone can be twice as exciting but can bring twice the risks to manage. You might be partnered, partnered with pets, officially de facto, officially married, splitting... Read More

Parenting

👥
Parenting Parents are in the business of growing healthy young adults.  It's a major emotional commitment — and it’s also a financial one. As your child grows, so will your obligations to help them with... Read More

[ PEOPLE SERVICES INCLUDE ]

Types of People Life Insurance

When people talk about life insurance products, they're referring to one of the following classes of life insurances:

 

Life & Terminal Illness Insurance

The idea behind Life insurance is, during your life you will probably support people you love, you will choose your family and friends and maybe support a cause, or a charity or two as well. Don’t let all this good not happen, just in case you’re not here to do it. Life insurance can mean you can still do your part to keep love going.

Income Protection Insurance

Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years. If you become injured or too sick to work for an extended period of time, it could pay you up to 70% of your income (and 100% of your compulsory super contributions) until you recover or retire -whatever comes first. Use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan.

Total & Permanent Disability Insurance (TPD)

A permanent injury or illness can make it difficult (or impossible) to return to work. TPD insurance can provide a long term financial safety net to help support you and your family, and pay for medical and rehabilitation costs. The reality is, most accidents are unavoidable and can occur anywhere: at work, on a trip, or in the comfort of your own home. And studies have shown that many disabilities are the result of a sickness—like cancer, a heart attack or diabetes—not injury.

Crisis & Trauma Recovery Insurance

The biggest financial risk to a individual or their family is a surprise arrival of a major medical bill, that might not be fully covered by the PBS or private health cover. Being diagnosed with a serious medical condition impacts both you and your family. Critical Illness insurance can help take away the worry of having to cover your day-to-day expenses and sudden medical costs while you undergo treatment or recover from surgery.

Severity Based Insurance

The new Severity Based assessment process aims to pay claims sooner and in proportion to the need, rather than the traditional one-claim-fits-all-approach. SBI covers more medical conditions, is designed to include partial claims and pays claims earlier, and repeatedly as more support is needed.

Children's Cover

A sick child is a whole family issue and can require a whole family response. Child Critical Illness insurance provides you with a one-off payment to help lighten the financial pressures of a sick child with a serious medical issue, allowing you to focus on your child and their recovery. Child Cover pays a lump sum if your child suffers from any of the medical conditions listed and defined in the policy.

Accident Only Cover

The Plan B for when you're not eligible for Plan A — becomes the next best thing to help reduce your risks. These types of specialist policies are designed to help people who, for a variety of reasons from complex medical history, recent medical procedures or family history of specific illness may not be eligible to qualify for comprehensive insurance cover, but who still have financial needs to protect and families to keep safe.

Speciality Cover

Business Owners and Employed Professionals realise the one-size-fits-all approach to life and business, never works for people living bigger lives. From difficult to manage pre-existing medical conditions, high risk occupations, or self employed occupations with very long hours who don't qualify for comprehensive insurance cover, a specialist risk advisor can create a hand-crafted strategy for your personal insurance cover needs, because one size never fits all.

[ Our Blogs & Vidoes ]

Browse Our Blogs

Every month we publish our own Personal Finance Blog about practical financial issues
our clients, friends & supporters face, so they can become more Life Confident

From Our Personal Finance Blog

sea going vessel roped to the dock straining at the mooring ropes
Sailing Through the Property Tax Storm and The Two-Step Sequence to Upgrade Your Wealth Mindset
27 Jun 2026
Read More
offshore virtual assistant looking at laptop
The Delusion of Geographic Legal Immunity in Hiring Staff Offshore
11 Jun 2026
Read More
High Glam and Kebabs in The Suburbs
Spilling the Tea on the BBQ Illusions: ATO Nightmares, Messy Wills & Kitchen-Table Lies
08 Jun 2026
Read More
Creative little girl squeezing paid from a tube that is both black and white
The Certainty Trap: How Your Hidden Need for Closure Rushes Your Biggest Decisions
24 May 2026
Read More
The Financial Sorting Hat (and other generational moneyisms)
The Financial Sorting Hat on Your Shelf: Choosing Provision over the House of Avoidance
16 May 2026
Read More
person selecting the unknown Community Chest card in the board game Monopoly
Going Under the Knife? What Happens if You're Out for Longer than Expected?
12 May 2026
Read More
A closed bridge unsafe to travel on
The Broken Social Contract
10 May 2026
Read More

Modern Small Business Leadership Blog

We publish our own articles about Modern Small Business Leadership to inspire
our clients, friends & supporters to grow better businesses.

From Our Leadership Blog

I loosely wound yellow fabric measuring tape
Measuring the value of a business course – when is enough learning, enough?
19 Apr 2023
Read More
a beautiful white haired cat on a white floor in a cream white room
Diversity matters – is your website a little too white?
19 Apr 2023
Read More
man wearing a golden face mask to hide his true identity
Pushy sales people, boundaries and the Crowned Prince of Nigeria
19 Apr 2023
Read More
intricate variety of succulents growing together in a plant terrarium
10 Habits to make personal growth automatic
03 Aug 2020
Read More

Our Educational Videos

We create our own Fun Animated Explainer Videos and Client Educational Videos
to help people understand the practical How behind the Why.

From Our Educational Videos
Needlestick Injury Insurance
Fun Explainer Videos
Read More
Modern Estate Planning for Modern Families
Fun Explainer Videos
Read More
How Much Life Insurance is Enough?
Fun Explainer Videos
Read More
Modern Families and Living with Diabetes
Fun Explainer Videos
Read More
Drew Browne talking about when people use a life insurance policy
When should people use a life insurance policy?
Risk Education Videos
Read More
Drew Browne talking about the chances of needing to claim on a life insurance application
What is the chance of needing to claim on a life insurance policy?
Risk Education Videos
Read More

[ Our Professional Reach ]

Access every Life Insurance company in Australia

 You wouldn't go to a Doctor who never finished medical school, so why would you use a risk adviser
who doesn't have access to every life insurance company in Australia?

Want to learn more about Why This Matters?

AIA

AMP

asteron

BT

clear view

comminsure

Integrity

macquarie

MetLife

MLC

neos

one path

TAL

zurich

Small Biz News Alerts

Key Products & Services

Latest Blog Articles

Find Me on the Financial Advisers Register

The Australian Government's financial regulator, ASIC, maintains the Register of Financial Advisors here.

Ready for Life, Love & Business

Drew Browne Senior Advisor Sapience Financial & Unusual Risks Insured

Drew Browne - Senior Advisor @SapienceFinancial

Community

Our Local & National Charity Partners

Contact Us

Serving Australia Wide, from
George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Phone: 1300 137 403
Say Hello! sapience.com.au

 

Get Advice-on-Demand from a
National Specialist Advice Firm
by email | phone | video | face to face |

Everyone is Welcome Here!
@SapienceFinancial
#AdviceEquality  
You're Welcome Here - Pride Flag

Drew Browne is an Authorised Representative and Sapience Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL, NSW Complete Financial Services Group Pty Ltd ABN: 791 284 037 98 AFSL: 457600. Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. Sapience Financial is a Trauma Informed Organisation (TIO) and affirms the Darlington Statement on Intersex Human Rights Australia.

Sapience Financial acknowledges the Traditional Custodians of Country throughout Australia and their continuing connection to land, waters and community. We pay our respect to them and their cultures, and Elders, past, present and future.

Flags of the Australian First Nations peoples

Sorry, this website uses features that your browser doesn’t support. Upgrade to a newer version of Firefox, Chrome, Safari, or Edge and you’ll be all set.