Life Insurance Made Simple

From your Australian Life Insurance Broker

Why Choose us as your Life Insurance Broker?

When you deal with us, as an Life Insurance Broker, we undertake research on your behalf (upon submission of your request for Life Insurance quotes, Income Protection Insurance quote, Trauma Insurance or Diagnosis Insurance quote or Total and Permanent Disability Insurance quotes (TPD quotes)), to find the better product for your individual requirements, taking your personal details into consideration. We do NOT provide an automated online quotation system on this site as we believe to give you the best insurance quotes, we need to need to factor in your personal situation and insurance needs.

A Life Insurance Portfolio

A Life Insurance Portfolio will consist of one or some or ALL of the following:
(Click on the link for more information & detail on each type of Insurance Cover)

1. Life Insurance - lump sum payable upon death by accident, and / or death by illness. You should compare life insurance policies carefully as there are differences. For example, Accidental Life Insurance will pay a specified amount to the owner of the policy, ONLY upon your death by accident. So, make sure you read the Life Insurance section before deciding to proceed with any life quote you may receive.
    
2. Total & Permanent Disability Insurance Cover (TPD Insurance) - lump sum payable upon being medically totally and permanently disabled due to illness or accident and is used to clear out debts, provide funds for medical costs and annual income streams to ensure you maintain the same quality of lifestyle. TPD Insurance is generally paid when you have been advised by a medical specialist that you will never work again.
    
3. Trauma Insurance / Diagnosis Insurance - lump sum payable upon being medically diagnosed with a trauma medical condition (see list of Trauma Medical Conditions). Trauma insurance or Diagnosis insurance is designed to give you money when you need it most.
    
4. Income Protection Insurance - Up to 75% of your gross income paid to you monthly in the event you are medically unable to perform your normal duties. If you do not have an alternative income to rely on upon while you are sick or injured, you need Income Protection Insurance cover. Income Protection Insurance will help you maintain your home and lifestyle and provide for your dependants, while you spend what ever time is needed to recuperate.

Do I need Life Insurance?

It depends on your individual circumstances, but if anyone depends upon your income in any way, then you should have Life Insurance to protect them and protect their financial well being. Everyone has varying needs. If you have dependants, ie. spouse, children, other beneficiaries, Life Insurance can provide a source of income in the event of your death. It can pay out your debt. Life Insurance can provide for Estate Planning, buying out of business partners shareholding in the event of that business partners death (See the life insurance & partnership insurance page for more information). Life Insurance can fund buy / sell agreements. Life Insurance can fund a Company with Key Person cover (See the life insurance & key person insurance page for more information).

All these issues and more are all explained on the Life Insurance page(s).

To submit an online quote request form, go to the life insurance quotes page.

Further Inquiries

We welcome inquiries on our Life Insurance, Trauma Insurance, TPD Insurance & Income Protection Insurance products and insurance broker services. Please feel free to send us an email, call us on 1300 766 467, use our contact us page to send us an online inquiry or submit a life insurance quote, income protection insurance quote, trauma insurance quote or tpd insurance quote form. We will contact you within 24 hours to answer your inquiry.

DISCLAIMER

This web site does not provide financial or investment advice. The information herein is general material and does not take into account your personal and particular insurance, personal, or investment data or objectives or relevant needs. If we can assist with specific advice please contact us.