• the go-to place for technical life insurance

    and subject matter expertise



    Life Risk Advice and Claim File Review Service

    Damien Jones | General Manager – Services

    Australian Financial Risk Management Pty Ltd

    "Sue has worked with our business over many years providing great insight and contribution to our advice process. More recently Sue has worked closer with us to review processes, monitor and providing coaching support to our team in an environment where the compliance demands are the most rigorous they have ever been.

    Whilst having a strong compliance focus, Sue’s passion for both the risk advice industry and the value the industry creates for people, means that her value extends far beyond a mere audit function, into providing tangible coaching support to staff for better client outcomes."

    Life Risk Advice and Claim File Review Service

    Claire Wivell Plater & Simon Carrodus

    The Fold Legal

    We’ve worked with Sue Laing for over 15 years on AFS licensing and risk advice review projects. Her expertise and passion for life risk advice is quite simply the best in Australia.

    In our most notable project together, she has transformed our mutual client’s life risk advice process from end to end, including information collection, analysis and advice preparation, as well as training and monitoring.

    I recommend her services unreservedly to any advice practice aiming to achieve best practice.

    Technical Helpline Service

    Chris Zegers

    Keystone Wealth

    “I have been an avid enthusiast of the resources and passion The Risk Store has continued to inject into our industry for many years.


    Recently, their assistance on a technical claims issue enabled me to not only assist a client expedite a claim, but simultaneously lock in a joint venture for life, given the client was a referral source and the claim was family related. That’s the definition of adding value!”


    The Risk Store Consulting offers highly specialised support and input in the life risk insurance space. Clients of our consulting range from financial advice frontline practices and licensee head offices, to industry superannuation funds, retail life insurers and reinsurers and further to expert witness work for law firms. Everything from client communications, claims letter libraries and dispute expert support, to adviser training, coaching and client file audits on risk advice. Much of our work is tailored to client need from off-the-shelf templates developed over the years, saving clients cost and time.

    SUE LAING - Founder & Technical Manager

    Sue is the technician who delivers the majority of our consulting work. Having over 4 decades in the Australian life risk industry, she has an unparalleled understanding of the industry from manufacture to advice delivery and on to claims management. She has been an underwriter, claims assessor, product developer, product researcher, sales manager, trainer, client communications author, expert witness and risk advice auditor. All of these skills equip her to also critically review practice processes for life risk-associated businesses.


    Sue has been a frequent podium speaker, industry press contributor and PD day trainer and is well known in many levels of our industry. She prides herself on interpreting project scopes and delivering precisely to scope, reliably and diligently, as our testimonial library demonstrates. Call Sue on 0412 265 822 or email her at sue@theriskstore.com.au with any questions.


    Life Risk Advice File Reviews

    Assessing quality and compliance of life risk advice, either standalone or within a full financial plan, is a regular part of our consulting these days.

    We have observed 1 in 2 advice files contain breaches and / or a missed revenue opportunity when they were subjected to only a standard compliance review. Know your files better; don't rely on 'non-risk' auditors to know what to assess as quality, strategic advice.

    Be the best.

    Advice Improvement

    Looking to improve your life risk advice offering and your return-for-effort? Frustrated by inefficiencies compounded by compliance requirements? Like to review the frontline advice process from first meeting to onboarding and on to reviews and claims support? Want clients to feel so good they refer others?

    We can show you how to implement change for the better. Practical, valuable (and compliant) outcomes for you and your clients.

    Claims Management Process Improvement

    For claims teams, our 'unique proposition’ is the skill of reversing the lens; establishing through file and departmental analysis what the claimant or member ‘sees and feels’ from their side, looking in to the provider, be it the insurer or a fund entity.

    Claims process and output analysis can be high level or deep dived - your choice and your budget.

    Tools & Templates

    Contact us to enquire about our most tried and tested advice tools. We have a suite of practice management and communication templates perfect for risk and wealth planning practices to use to deliver a better client experience.


    Use the contact form or call with any questions or to check if we have the tool or template you are looking for.

    Technical Helpline Subscription

    It's back! The popular Technical Helpline service which was part of our original Risk Store membership offering was missed when we closed the membership model in 2020. We have responded to financial advisers who have asked can we relaunch this service.

    Not surprisingly they tell us there is still a need to access independent, reliable, expert, accurate and timely input to curly (and not so curly) queries.

    Please only use the 'Helpline Enquiry' button on the left to place your specific technical help request or question.

    NOTE: You will not receive a response to your request if you do not have a current annual paid subscription with us. Please contact us first to purchase one before sending your technical helpline request. All other enquires, please use the contact form at the foot of this site. Many thanks - The Risk Store Team.

    ADELAIDE SA Australia
    Mon-Fri - 9:00 AM to 5:00 PM
    0412 265 822