We Help Aussies Answer Yes.
We guide you and do the grunt work to set up quality Income, Life, Disability and Trauma Insurance so you can still live life if sickness or injury gets in the way.
We’ll teach you what you need to know, search the market for your best options and do the application forms for you.
Want to update your insurance or make sure you’ve still got the best price? That’s what we’re here for.
If you ever have to claim, we’ll take the insurance work off your plate so you can focus on what’s important.
We’ll teach you what you need to know, do the grunt work to get things set up and update your policies as life changes.
Get quality insurance from ten of Australia’s leading insurers without any added costs or service fees.
Choose personalised cover that suits you so you’re not paying for more than you need or have less than you should.
Your dedicated claims expert will guide you or your family when making a claim so you can focus on what’s important.
Each type of insurance works together to protect you and your family financially from medical bills, if you're too sick or injured to work for a while, ever again or if a loved one passes away.
Pays out a monthly amount if you’re too sick or injured to work. It provides up to 70% of your income so you can continue to pay the bills while you recover.
Pays out a lump sum if you pass away or become terminally ill. It gives you peace of mind knowing that your loved ones can continue to survive financially without you.
Pays out a lump sum if you become permanently disabled and are unable to work again. It can be used to pay off debt, modify your home or invested to provide future income.
Pays out a tax-free lump sum if you suffer a serious medical condition, such as cancer, a heart attack, stroke etc. It helps you afford the best doctors and time off with loved ones.
Learn more about the four types of personal insurance
We’ll run you through the four types of insurance, search the market for your best options and then apply for the ones you pick.
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We'll walk you through each type of insurance in detail and explain all the ways you can tailor it to your life.
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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.
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Once you have chosen, we’ll ask you the questions the insurer needs to know and send in the paperwork.
What insurance is worth having? In short, we believe you should insure the things that you can’t afford to lose.
“Your most powerful financial asset isn’t your home or your car: it’s your ability to earn an income.”
Scott Pape | The Barefoot Investor
Australia’s #1 personal finance author
18
Aussie families lose a working-age parent daily
1 in 3
Aussies suffer a heart attack, stroke or cancer
1 in 8
Disabled Aussies became disabled due to an injury
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.
Want to be sure you have the best deal? We can get you quotes and make the changes if something better comes up.
Bought a house, had a child or changed jobs? We’ll go through the options and get your insurance up to date.
Need to make a claim? We’ll use our claims experience to get you the best outcome while you focus on what’s important.
Everyone is different so the amount of cover you need depends on things like whether you have a family, a house, your current age, job and savings etc – it therefore also changes as your life does.
The best time to get insurance is when you need it. In summary, here’s when you should consider getting each type of insurance:
The only costs you’ll pay is for the insurance since we don’t charge any fees for our service. We also don’t add any fees to the price of the insurance and so the price you pay is the same as going direct. How much the insurance costs will depend on what you get as well as your age and health. After having a 10-minute chat we’ll send through quotes from all the insurers that offer the insurance you want so you’ll know the price before making a decision.
We are paid by the insurer at no extra cost to you.
Yes you can. Income, Life and Disability Insurance can be paid for inside your super (trauma insurance can’t though). The benefit of paying for your insurance through super is that you’d get a 15% tax rebate. That means it’s 15% cheaper than paying it out of pocket and also it won’t affect your cash flow. It will be coming out of your super balance, though, which may impact your retirement savings. You can choose to add extra to your super to cover the amount of the premiums if you’d like.
Something to note is that Income Insurance is tax deductible, so you might be able to save more paying for it outside of super if you’re on a high tax bracket - we’re happy to chat through different options with you.
Most super funds do provide a default level of insurance through your super, however there are two things to bear in mind. Firstly, it may not be personalised to your needs – you might be paying for more than you need or worse, you might have less insurance than you need. Generally insurance inside super isn’t medically underwritten, meaning the insurers didn’t consider your health and lifestyle and could change the terms at any time and so there’s no guarantee you’ll get paid out for what was initially agreed upon.
Income Insurance is the only policy that is tax deductible when paid for outside of super. Life and Disability aren’t tax deductible when paid for out of pocket but you would benefit from a 15% rebate when paid for inside super. You’d also get this rebate on Income Insurance if paid for inside your super. Trauma insurance isn’t tax deductible.
There are no lock-in contracts with personal insurance so it can be changed as life does. Generally you should think about reviewing your insurances when life changes (such as buying a home, changing jobs, changing marital status or having children). While we’re always available to chat, we’ll also contact you every two years to offer a full review of your insurances to ensure they still meet your needs and stay affordable.