Life insurance doesn't have to be confusing or overwhelming.
With over 30 years of experience helping Queensland families protect their financial future, we cut through the complexity to help you understand your options and choose the right protection for your situation.
Whether you're wondering if you have enough cover, concerned about costs, or simply trying to understand what type of insurance you actually need, we're here to guide you through the decisions with clarity and care.
How We Work Together
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Understanding Your Situation
We start by getting to know you and your family's circumstances. What are you trying to protect? What would happen financially if you couldn't work or weren't here? These conversations help us understand what protection makes sense.
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Explaining Your Options
Insurance can seem complicated, but it doesn't have to be. We explain the different types of cover in plain English, showing you how each one works and when it might be useful for your situation.
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Finding the Right Fit
Once we understand your needs, we help you choose appropriate cover from quality insurers. We focus on policies that offer genuine protection and value, not just the cheapest premium or the most comprehensive cover.
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Ongoing Reviews
Your insurance needs change as your life changes. We regularly review your cover to make sure it's still appropriate and adjust things as needed – whether that's increasing cover, reducing costs, or changing providers.
Understanding Your Protection Options
Life insurance might seem complex with hundreds of products available, but most protection needs can be met through four main types of cover:
- Life Insurance: Providing financial security for your family if something happens to you
- Total and Permanent Disability: Protecting your lifestyle if you become unable to work due to disability
- Income Protection: Replacing your income if illness or injury prevents you from working
- Trauma/Critical Illness: Providing financial support if you're diagnosed with a serious illness
We help you understand how these different types of cover work together and which ones are most relevant for your circumstances.
Areas We Can Help With
Life Insurance
Ensuring your family has the financial resources they need if something happens to you, whether that's paying off debts, maintaining their lifestyle, or funding future goals like education.
Total and Permanent Disability Insurance
Protecting against the financial impact of being unable to work due to disability, covering rehabilitation costs, lifestyle changes, and providing ongoing income support.
Income Protection Insurance
Replacing up to 75% of your income if you become unable to work due to illness or accident, helping you maintain your lifestyle while you focus on recovery.
Trauma/Critical Illness Cover
Providing lump sum benefits if you're diagnosed with serious conditions like cancer, heart attack, or stroke, giving you financial flexibility during treatment.
Insurance Through Superannuation
Understanding and optimising any existing cover you have through your super fund, and determining whether additional cover outside super is needed.
Business Insurance Protection
Protecting business owners and key employees, including business loan protection, key person insurance, and business continuation planning.
Regular Policy Reviews
Ensuring your insurance keeps pace with your changing circumstances, life stages, and financial situation.
Why People Choose to Work with Us
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Three Decades of Experience
We've been helping Queensland families understand and secure appropriate insurance protection since 1981. We've seen how the right cover can make a real difference when it's needed most.
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Clear, Honest Advice
We believe insurance should be understandable. We explain your options in plain English and help you make informed decisions without pressure or confusion.
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Quality Insurers
We work with established, reputable insurance companies that have strong claims-paying records and fair claims processes. Your cover is only as good as the insurer behind it.
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Ongoing Support
Insurance isn't something you arrange once and forget about. We're here to help with claims, policy reviews, and adjustments as your life circumstances change.
Ready to Protect What Matters Most?
If you're thinking about insurance or want to review your existing cover, we'd be happy to have a conversation. Whether you're starting a family, buying a home, or simply want peace of mind about your financial protection, we're here to help.