With you every step of the way
Specialist insurance advice for expats in Australia. Providing peace of mind by protecting what matters.
Our philosophy
At bdhLife we believe financial confidence comes from clarity, not complexity.
For expats, insurance decisions are rarely straightforward. Different jurisdictions, unfamiliar definitions and complex policy wording can make it difficult to know whether you’re truly protected. When your family, income or commitments span countries, certainty matters more than ever.
Our role is to remove that uncertainty, providing clear, practical advice that helps you make informed decisions with confidence.
Through specialist insurance advice, we work alongside you to develop strategies tailored to your unique circumstances. From initial advice through to ongoing review, we focus on protecting what matters most to you as your circumstances evolve – so you feel informed, in control and confident about the future.
Our approach
Many expats arriving in Australia assume their existing insurance will continue to protect them. However, this is often not the case.
Common issues include:
- Policies that may not be claimable while residing overseas
- Definitions of disability that do not align with Australian occupations
- Income protection benefits that no longer reflect current earnings
- Currency mismatches between premiums and benefits
We assess your existing cover to determine its suitability and, where appropriate, recommend adjustments or new arrangements to better align with your life in Australia.
About bdhLife
Powered by award-winning business Oakmont Financial Group, bdhLife is one of the few practices in Australia dedicated solely to specialist risk advice. This means our clients receive advice that is not only technically sound, but practical, flexible and designed to work when it matters most.
Using leading research tools and access to the full insurance market, we conduct comprehensive, independent analysis across available products. This is combined with our experience, strong insurer relationships, and deep understanding of policy structures and underwriting.
The result is advice that is aligned to your circumstances, both now and into the future.
We guide you through:
- Identifying the types of cover relevant to your situation
- Structuring appropriate levels of protection
- Ensuring policies are designed to respond when they are needed most
Every recommendation is built around your goals, giving you confidence that the right protection is in place.
Personal Protection
Your protection needs will evolve as your life changes. For expats, this often includes protecting income streams, overseas obligations, and family members who may be based in different countries.
The strategy for someone early in their career will differ significantly from that of a family or someone with established wealth. Regardless of your stage, having a well-structured protection strategy helps safeguard your financial position.
We design tailored solutions that adapt with you, providing confidence that your income, assets and family are protected both now and into the future.
Life Insurance
TPD Insurance
Trauma Insurance
Income Protection
Business Protection
A core part of bdhLife’s offering is specialist advice in business insurance and protection strategies – particularly for expats operating businesses or professional practices in Australia.
We have extensive experience in business succession planning, key person insurance, and supporting broader structuring requirements. This includes working alongside accountants and legal advisers to ensure agreements and valuations are properly established and aligned.
These strategies require careful coordination and a clear understanding of both the commercial and personal implications. Our role is to guide this process, ensuring the appropriate cover and structures are in place to protect the business and its stakeholders when it matters most.
Business Succession Insurance
Key Person Insurance
Business Expenses Insurance
Meet the team
Steven Roberts
Director & Senior Adviser
Joining the Financial Services industry in 2011, Steve worked in several back-office capacities both in Australia and North America before becoming an Authorised Adviser in 2015. Specialising in Wealth Protection and Business Succession Planning, Steve’s passion is partnering with individuals, families and business to provide tailored protection plans, suited to their specific needs. Steve has been a nominee and finalist for multiple industry awards including AFA Adviser of the Year, Australian Wealth Management Awards Risk Adviser of the Year and IFA Risk Adviser of the Year. In 2025 he was acknowledged as a winner in the WA 40under40 awards.
Qualifications
Steven holds a Master of Financial Planning (MFinPlan).
Matthew Lewis
Provisional Adviser
Matt began his career in the financial services industry in 2022, as an intern whilst completing his tertiary studies. Matt has since been working as a paraplanner, where he has gained valuable experience and developed a passion for Financial Planning. At bdhLife, Matt will be supporting the Wealth Protection team in delivering tailored strategies to protect their assets, families and secure their financial future. Matt is currently undertaking his Professional year and will be fully authorised in July 2026.
Qualifications
Matt holds a BCom (Finance) and Graduate Diploma of Financial Planning.
Duncan Bent
Graduate
Duncan has recently started his graduate year at Oakmont Financial Group. At bdhLife, he will be supporting the Wealth Protection team to deliver personalised strategies designed to safeguard clients’ assets, support their families and secure their financial future.
Qualifications
Duncan holds a Bachelor of Commerce, majoring in Finance and Economics.
Lisa Duthoor
Client Services
Lisa has been working in the financial services industry for 40 years, working in various capacities with Insurers and Financial Planners including AMP and Westpac Financial Services. In 2005 Lisa joined Oakmont (formally Life & Benefits) and has been with us ever since. A valued member of the team, Lisa works closely with clients to manage new business implementation, insurance claims, group employee benefits plans and general administration. We regularly receive feedback that Lisa is an asset to our team, which has been recognised with two state customer service awards.