Carapacho // n. the protective shell of a turtle [Spanish].

Life insurance provides financial protection to you, your family and your business.

At Carapacho, we provide professional life insurance solutions to help you safeguard your personal finances.

We provide contingency planning for business, enabling you to better manage the financial impacts of injury and illness - the "people risk" of your business.

We combine industry knowledge with an analysis of your circumstances to identify insurance strategies that best fit you.

Our objective is to give prompt and professional service and advice. We provide a consistent point of contact, so you know who you are talking to when you need help with your insurance.

protect your wealth



certainty & choice

Carapacho provides personalised service and offers life insurance advice to professionals, businesses and corporate clients.

We can access products from insurance providers across the Australian Life Insurance market.

Independent research is used to assess different insurance products, terms of cover and pricing, enabling us to identify cost effective insurance strategies for our clients.

Insurance recommendations are based on your individual needs. Through consultation, you can make informed decisions about your life risk requirements.

We can assist with hard to place "out of the ordinary" life insurance needs.

We review the value offered under your existing insurance strategies against contemporary products available in the market.

In the event of a claim, we keep you informed of requirements for processing your claim, provide a point of contact and most importantly help, at what can be a very stressful time.

Personal Life Insurance

Business Life Insurance

Corporate Life Insurance

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Personal Life Insurance

protect your lifestyle

  • Income Protection
  • Death Cover
  • Total & Permanent Disability Cover
  • Critical Illness Insurance
  • Estate Equalisation

Business Life Insurance

protect your business

  • Key Person Insurances
  • Business Succession Planning
  • Funding Share Purchase & Buy/Sell Agreements
  • Loan Protection
  • Business Expenses

Corporate Life Insurance

protect your employees

  • Group Salary Continuance
  • Group Life Insurance – Death & TPD Benefits
  • Key Person Insurances
  • Individual Employee Benefits
  • Australian Expatriate Cover
  • Special Risks

Adviser Profile

Life Insurance Adviser and Life Risk Manager: Dr Karen Withers.

Karen is an Authorised Representative (ARN 311775) of Professional Investment Services Pty Ltd, Australia's leading independently-owned network of financial advisers and accountants.

Karen is based in Sydney CBD, specialising in Personal & Business Life Insurance Planning.

Karen is a member of the Financial Planning Association and a Certified Financial Planner TM.

Karen has expertise in helping clients assess and address their Life Insurance requirements, while also having a holistic understanding of implications for your other financial arrangements.

Karen is able to access products from life insurance providers across the Australian market.

Karen uses independent research to identify cost-effective cover, enabling you to make informed decisions regarding your life insurances.

Karen has a Diploma of Financial Planning and PhD in Marine Science.

To contact Karen:

Tel: + 61 2 9241 3843
Email: insure@carapacho.com.au

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Online Queries

Yes, I would like help with:
My Personal Insurances
Our Business Insurances
General Query

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Contact Carapacho

Adviser: Dr Karen Withers
Tel: + 61 2 9241 3843
Office: Level 5, 20 Loftus St, Sydney
Mail: PO Box R1712, Royal Exchange, NSW 1225
Email: insure@carapacho.com.au
Web: www.carapacho.com.au
To find out more about Professional Investment Services, click on the PIS logo to go to the homepage. PIS Head Office is located at Level 14, 300 Adelaide Street, Brisbane, QLD 4000.

PIS Head Office Phone: (07) 5574 0244.
Email: info@profinvest.com.au
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