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MERLIN  •  RISK WIZ

Make smarter
insurance decisions.

Most Australians are underinsured by hundreds of thousands.

Our free guides and calculators show you exactly where you stand — in minutes.

Did you know?   1 in 5 Australians will be disabled for 3+ months before retirement.   See your personal odds →

Insurance Guides

Manage life's risks with our easy to read Insurance Guides. For more information, please contact us.

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In-depth Guides

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In-depth Guides for Business

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Tools and Calculators

Our Tools and Calculators help you understand more about insurance and the factors that determine an application outcome. For more information, please contact us.

Insurance Needs calculator

Input your income, debts and preferred retirement age and family situation. Get a coverage illustration instantly.

More calculators are on the way, so be sure to check back in.

Frequently Asked Questions

Determining Insurance NeedsInsurance ClaimsInsurance in SuperInsurance CostsInsurance PoliciesInsurance AdviceIncome ProtectionTerm Life CoverTotal and Permanent Disability CoverTrauma CoverApplying for InsuranceInsurance Complaints

Insurance Checkup

Getting the best insurance starts with your free, 30min consultation.

CFP adviser
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Copyright © 2026 Merin Financial Services Pty Ltd. All rights reserved.​

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Legal: General Advice Warning, Terms & Conditions, Financial Service Guide & Privacy Collection Statement​:

General Advice Warning

Merlin Financial Services Pty Ltd ATF Claudio Tan Family Trust, Corporate Authorised Representative No. 1315582) and all our advisers are Authorised Representatives of Finchley & Kent Pty Ltd, Australian Financial Services Licence No. 555169, ABN 50 673 291 079, and has its registered office at Level 63, 25 Martin Place, Sydney NSW 2000.​ Finchley & Kent Pty Ltd Australian Financial Services Licence applies to financial products only. Please note that Property Investment, Tax & Accounting, Mortgages & Finance are not considered to be financial products.

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Disclaimer

The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Merlin Financial Services Pty Ltd ATF Claudio Tan Family Trust and Finchley & Kent Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.

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