Life is unpredictable — your cover shouldn't be. Scarborough-based insurance specialists helping Perth families and professionals get the right Life, Income Protection, TPD and Trauma cover — without the jargon or the runaround. Virtual consultations available Australia-wide.
Illness, injury, or loss is hard enough without the added burden of financial stress. Yet many Australians are underinsured, with significant gaps in coverage.
Life Cover Gap
TPD Cover Gap
Income Protection Gap (annually)
Source: Rice Warner Underinsurance Report
Not sure what you need? Use our tools to find out.
Compare Cover
We compare policies across multiple providers to find the right cover for your situation — not just the cheapest option.
No distractions, no over complications. Just solid, expert cover that works when life doesn't go to plan.
You work hard to build a future, provide for your family, and enjoy life. But what happens if the unexpected happens — an illness, an accident, or something worse — would you or your loved ones be financially secure?
(without the boring stuff)
Protect your loved ones
If you're not around anymore, this makes sure your family isn't left struggling. It can cover everyday expenses, and pay off the mortgage — so they can grieve without money worries.
When life hits pause, your income doesn't
If you're sick or injured and can't work for a while, this replaces most of your income — so the bills stay paid and you can focus on getting back on your feet.
Life can continue, even after a major setback
If something major happens that means you can't work again, this pays a lump sum to help you adjust — whether that's medical costs, modifying your home, or simply maintaining financial stability.
Focus on your health and not your finances
For big medical issues like cancer, heart attacks, or strokes. It gives you a lump sum to help cover treatment, take time off work, or just relieve financial pressure while you recover.
We cut through the fluff and fear-mongering to make sure you have the right protection — no overpaying, no confusing fine print, just cover that fits your life and evolves with you.
A smart, streamlined, automated process backed by real people who give a damn.
Our priority is getting you the right protection, not pushing unnecessary cover.
We cut through the crap so you actually understand what you're getting — plain and simple.
Unlike other financial planners who do everything, we focus only on insurance — meaning we know it inside out and actually get it right. The right cover matters.
Pick a time that suits you. It takes 30 seconds.
We ask a few simple questions about your life, family, and goals.
We research the market and present clear options — in plain English.
If it feels right, we handle the paperwork. If not, no worries at all.
I started EvolvU because I saw too many people paying for cover they didn't understand, or worse — having no cover at all. I wanted to build something different: a service that's actually helpful, easy to deal with, and focused entirely on getting you the right protection.
Based in Scarborough, I work with families, couples, business owners, and anyone who wants to make sure they're properly covered without the jargon or the runaround.
LEARN MORE ABOUT MERated 5 stars on Google — see what our clients have to say
Jean Morgan
10 months ago
"Tim was amazing to deal with. He explained everything in a way that actually made sense and was super quick to respond whenever I had questions. It honestly feels like a weight off knowing I'm properly covered now if something ever happens. Really appreciate how easy and stress free he made the whole process."
Rani Muker
10 months ago
"I saw Tim's Instagram ad and wasn't sure what to expect but I'm so glad I reached out. We discussed my current situation and helped me plan for the future. We did everything remotely and it was all super smooth and easy. Would definitely recommend!"
Brendan Storey
9 months ago
"Appreciate the help your team gave me in getting my income protection insurance in order."
Stefan Kolichev
2 weeks ago
"Tim at EvolvU was great in helping me and my partner sort out our life insurance and income protection. It was great getting advice that actually explained what each policy covered us for and exactly how to structure it. Super handy having a financial planner right around the corner in Scarborough. Definitely recommend!"
Face-to-face consultations across Perth's northern suburbs, plus virtual appointments for Australians in every state and territory.
WA
Western Australia
NSW
New South Wales
VIC
Victoria
QLD
Queensland
SA
South Australia
TAS
Tasmania
ACT
ACT
NT
Northern Territory
Because peace of mind isn't about what happens today — it's about knowing your future is covered.