Three steps to peace of mind
Risk Specialists that bring solutions to life
1. Learn
We'll walk you through each type of insurance in detail and explain all the ways you can tailor it to your life.
2. Select
We’ll do all the grunt work of getting quotes from 90% of Australia’s retail insurers so you can just pick the best one.
3. Apply
Once you have chosen, we’ll ask you the questions the insurer needs to know and send in the paperwork.
Life Insurance
What It Does
Life Insurance pays out a single lump sum if you’re no longer here or are diagnosed with less than 12 months to live. It’s designed to support the people that would be negatively affected financially if you passed away (i.e. a spouse, children, a business partner etc).
Do I Need It?
Would anyone be negatively affected financially if you were no longer here? Life Insurance is designed to make sure your loved ones aren’t left with a financial burden and can continue to survive without you.
How Much Do I Need?
Life Insurance should cover the costs involved with surviving financially without you. This amount usually includes paying off any debts you have, providing for your spouse, getting your children through school and final costs (like funeral expenses).
Personalisation Options
Payout Amount Payment Options
Anything from $50k. Inside or Outside Super
Income Insurance
What It Does
Income Protection pays up to 70% of your income in as little as 30 days and can continue until retirement age if you need it to. It helps you survive financially if sickness or injury ever stops you from working.
Do I Need It?
If you would need help financially due to being off work for a short or long period then Income Insurance is designed to help.
How Much Do I Need?
Your payout amount can be up to 70% of your income. Think about the minimum amount you could or would be willing to live on if you had to.
To choose a waiting period think about how quickly you’d need or like your payments to start (i.e. how long your savings, sick leave, annual leave etc would cover you for).
To choose a benefit period think about when your payments could realistically stop. Do you have Disability Insurance, investments, super, an inheritance etc that you could rely on after a certain period? If not, then you could consider getting cover till retirement age.
Personalisation Options
Payout Amount Waiting Period
Generally up to 70% of your income. Options range from 14 days to 2 years.
Benefit Period Payment Options
2 years, 5 years or up to ages 65 or 70. Inside or outside super, or a mix of both.
Trauma Insurance
What It Does
Trauma Insurance pays out a lump sum if you suffer one of up to 50 medical emergencies (the main four being heart attack, stroke, cancer and heart bypass surgery). Trauma Insurance is all about helping you recover and so it pays out regardless of whether or not you can still work. The extra money usually helps you afford medical bills and some time off to recover or spend with your loved ones.
Do I Need It?
If you were to suffer a medical emergency, would medical bills and living expenses be a worry when they shouldn’t be? Trauma Insurance helps cover these unexpected costs.
How Much Do I Need?
Think about how much you’d like to have to cover medical bills and some time off. You can also use Income Insurance to help cover your time off and Trauma Insurance to cover the large unexpected medical bills.
How Much Do I Need?
Think about how much you’d like to have to cover medical bills and some time off. You can also use Income Insurance to help cover your time off and Trauma Insurance to cover the large unexpected medical bills.
Personalisation Options
Payout Amount Payment Options Child Trauma Cover
Anything from $50k. Only outside of super. Add your children to your policy.
Disability Insurance (TPD Cover)
What It Does
Total and Permanent Disability (TPD) Insurance pays a lump sum that covers the costs of being forced into an early retirement due to sickness or injury. It’s usually used for medical care, to pay off debt, replace your missing income or even invested to provide an income.
Do I Need It?
If you became disabled and could never work again, would you survive financially? Disability Insurance helps when your income stops and your expenses stay the same.
How Much Do I Need?
Think about how much you’d need to pay off debts (such as your mortgage), medical or rehabilitation costs, home modifications, household living expenses and the savings you want in retirement.
Personalisation Options
Payout Amount Payment Options Occupation Covered
Anything from $50k. Inside or outside super. Your own occupation or any occupation you could do.
Partnered with 90% Of Australia’s Insurers
Having access to the majority of retail insurers makes it easier to find the right cover at the right price.
Get help with your existing insurance
Think you might be paying a bit much? Not sure if your insurance matches your current stage of life? Needing to make a claim? Just get in touch, we’re happy to help.