Complete Coverage to Protect what Matters
Income protection cover
This insurance protects one of your biggest assets – your income. If you’re unable to work due to illness or injury, you’ll still receive a regular income to meet your financial commitments and living expenses
Total and permanent disablement
If you become totally and permanently disabled and can’t work, TPD cover helps you pay off debts and medical expenses, make modifications to your home, and replace lost income
Death cover
Death cover provides financial support to your family or dependents in the event of death or diagnosis of a terminal illness. The payment helps your family repay debts, cover funeral expenses and replace lost income
Trauma cover
Trauma insurance is paid if you get a diagnosis of a serious illness like cancer, heart attack or stroke. Put the focus on recovery and getting well – an immediate payment helps meet your financial commitments and medical costs
The Find Insurance Process
These steps only apply when you wish to obtain personal insurance. It does not apply to general insurance.
1. Phone call
We use this call to find out what’s important to you and if we’re a good fit.
2. Questionnaire
Step through our simple questionnaire regarding your income, assets and health. You will fill this in with an experienced, qualified, licensed financial advisor.
3. Proposal Fee & Engagement Letter
Prior to preparing the Insurance Report which will contain an indicative price range of your insurances, etc., we will ask you to pay a small fee and sign our engagement letter. Paying a fee lets us know you are serious about obtaining good advice and appropriate insurance for you.
$330 (single) OR $495 (couple) once-off
For self-employed – $495 (single) OR $770 (couple) once-off
We will send you an invoice with a link to Ezi-Debit whereby you will fill in your credit card or bank details so that the payment can be made immediately. We will be notified in 3 business days of payment being received.
4. Insurance Report
When we receive your fee, we will pre-assess your situation and prepare the Insurance Report for you. The Insurance Report will be emailed to you. The report will give you an indication of the premium price range of your required insurance cover, as identified from your needs analysis and the discussions that we have had with you. Please note that this price range and the types and levels of cover provided in this report are for illustration and discussion purposes only and should not be seen as advice.
5. Confirmation Letter
We will require you to confirm you still wish to proceed with taking up the insurances. Once we have received your confirmation, we will prepare the advice documents.
6. Advice Documents
Once you have confirmed with us you wish to proceed, we will prepare the advice documents and email them to you to review. We will invite you to book in a time with your advisor to discuss the recommendations or you can simply sign the Authority to Proceed.
7. Application
When you have signed the advice document confirming you wish to purchase the insurance policy, we will help you submit your application. Once the application has been submitted, the insurer may require additional information. It is worth noting that the insurer may apply loadings, exclusions or decline your application all together. We’ll keep you informed and help you through this process.
8. Policy in Force
Once your insurer gives the green light and your policies are active, we’ll let you know right away and provide you with the policy documents. At this point, you can rest easy knowing your family’s safe by having the right insurances in place.
Just a heads up — your first premium payment will be due around this time too. Please make sure you have enough funds available to cover the first lot of premiums they will charge your credit card or bank account.
