About Life Wealth Protection

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Years Experience
About Us

Toowoomba, Gold Coast
& South-East Queensland Life Insurance Specialists

Life Wealth Protection (formerly Rural Financial Services and Elders Financial Planning) are insurance specialists helping clients throughout Australia with personal and general advice to assist with all your insurance needs. 

With over 50 years of experience working with financial planning clients throughout Australia, our team has the professionalism, knowledge and expertise to assist with your insurance needs. We partner with several insurance providers, to provide you with the most suitable insurance for your circumstances. 

We can assist you with life insurance, trauma insurance, income protection insurance, total and permanent disability (TPD) insurance and business expenses insurance. 

Experienced. Professional. Understanding.

Meet Our Team

Chris Kelaart Dip FS (FP)

Director & Authorised Representative 300779

Chris Kelaart is happily married with three children and has over 25 years experience in the Financial Services Industry.

Chris commenced his career as an administrator in the new business department of Australian Eagle Life in Victoria.  After three years Chris began employment at his father’s Life and Superannuation Business, Lifetime Financial Services Pty Ltd which he purchased in 1999 and owned for 9 years before relocating to Queensland. Chris now owns Rural Financial Services (Qld) Pty Ltd and also owns LifeWise Wealth Protection, a Gold Coast based Financial Planning practice. 

Chris has completed his Diploma of Financial Services (Financial Planning) along with numerous industry courses.

Chris enjoys spending time with his family, dining out, travelling and AFL Football where he has been a foundation member of the Gold Coast Suns AFL Club since their inception.

Angela Summerville Dip FS (FP), C.Dec

Authorised Representative 433744

Angela has been working in the financial planning industry since 2011 and has transitioned to become a Life Insurance Adviser.

Angela was born and lived in Hobart until 1986 when she moved to the Gold Coast and commenced her career in the Finance Industry. After surviving a life threatening illness she developed a keen interest in making a difference to people’s lives when they need it most, through the development of an affordable and relevant protection plan.

Angela’s qualifications include a Diploma of Financial Services (Financial Planning) ,Certificate IV Financial Services (Mortgage Broking), numerous industry courses and is a Commissioner for Declarations.

Angela and her husband Tony both enjoy an active lifestyle, have a passion for travel, keeping fit and meeting new and interesting people.

Helen Melrose

Administration Manager/Personal Assistant

Helen Melrose is the Administration Manager at Rural Financial Services.

Helen joined Elders Financial Planning in 2007, which became Rural Financial Services, holds her Diploma in Financial Planning (FNS50615) and has over 18 years of experience in the financial advice industry. 

She is committed to providing effective, high-quality executive and administrative support to the Life Insurance Specialist Risk Adviser and she is responsible for ensuring that all industry compliance (including CPD) standards and Licensee compliance audits are met at the highest level.

Helen quickly develops a strong rapport with clients and ensures a high level of confidentiality, trust and credibility that clients can rely on.

She provides guidance and support to clients for insurance and underwriting procedures and has a highly successful claims management process to assist clients in the event they need to submit an insurance claim.

Outside of work Helen loves to spend time with her husband and daughter and is also the team manager for her daughter’s local hockey club.