General Insurance

They provide a specialised service in the areas of:
  • Biz Pack Insurance
  • Landlord Insurance
  • Public Liability Insurance
  • Professional Indemnity Insurance.

Personal Insurance

We provide a specialised service in the areas of:
  • Income Protection
  • Trauma/Critical Illness Cover
  • Total and Permanent Disability (TPD)
  • Death/Life Cover

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.

3. Proposal Fee & Engagement Letter

Prior to preparing the Insurance Report which will contain quotes, 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 with Insurance Report for you.  The Insurance Report will contain quotes based on the amount of insurance you have elected to take up.  Keep in mind, this process can take up to 2 weeks, depending on how complex your needs are.

5. Election Letter

We will require you to inform us (to elect) the insurance you wish to take up. Once we have received your election, we will prepare the advice documents.

6. Advice Documents

Once you have made your election, 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.

Review

When life changes happen, we’re here to help. Reach out to us whenever you need to update your insurance to make sure your insurance is still fitting snugly around your life’s needs.