Question 1

What does a life insurance broker do?

Accepted Answer

A life insurance broker works on your behalf to compare policies from multiple insurers across Australia. I find the cover that suits your wants, budget, and circumstances — so you don't have to navigate it alone.

Question 2

Does your service cost me anything?

Accepted Answer

No. My service is completely free to you. I'm paid a commission by the insurer, so you receive expert guidance and support and don't pay me anything.

Question 3

What types of life insurance can you help with?

Accepted Answer

I can help with Life Cover, Total & Permanent Disability (TPD), Income Protection, Trauma cover. We'll work together to figure out what's right for your situation.

Question 4

Do I need to have a medical exam?

Accepted Answer

Not always. Many policies can be arranged without a medical exam. The insurer asks health-related questions during the application, and in some cases request additional medical information.

Question 5

How long does it take to get covered?

Accepted Answer

The process is straightforward. After our initial chat and completing an application, cover can often be in place within a few weeks — sometimes sooner depending on the insurer and your circumstances.

Question 6

Can I change or cancel my policy later?

Accepted Answer

Yes. Life insurance isn't a lock-in contract. You can adjust your cover as your life changes — whether that's increasing cover after having kids, or reducing it as your mortgage shrinks. You can review your cover anytime.

Question 7

What if I already have cover through my super fund?

Accepted Answer

Many Australians have default cover through their super, but it's often basic and may not be enough. I can compare your existing cover and help you understand any gaps.

Question 8

How much life insurance do I actually need?

Accepted Answer

It depends on your debts, income, dependents, and lifestyle. A good starting point is to consider what your family would need if your income stopped — I can provide general advice to help you work through the numbers during a free consultation.

Question 9

How do I make a claim?

Accepted Answer

If you ever need to make a claim, I'm here to help you through every step of the process. I'll liaise with the insurer on your behalf to make it as smooth as possible during a difficult time.

Question 10

What ongoing support do you provide after my policy is set up?

Accepted Answer

I'm here for the life of your policy — not just at the start. Whether you need to update your contact details, review your cover as life changes, or navigate the claims process during a difficult time, I'm your first point of contact. Think of me as your personal guide through every stage of your insurance journey.

Question 11

What's the difference between health insurance and personal insurance?

Accepted Answer

Health insurance (provided by funds like Medibank or Bupa) covers hospital stays and extras like dental or optical. Personal insurance — which includes Life Cover, TPD, Trauma, and Income Protection — is designed to provide a financial safety net if you pass away, become seriously ill or injured, or can't work. They serve very different purposes, and most people benefit from having both.

Question 12

What makes your brokerage different to others?

Accepted Answer

I take the time to genuinely work with you and understand what you're comfortable with. I offer a personal, one-on-one service where you deal directly with me, not a call centre. I compare options across Australia's top insurers and provide ongoing support for the life of your policy, so you're never left on your own.

Question 13

How can I pay for my premiums?

Accepted Answer

You have flexible payment options. Premiums can be paid from your ordinary (everyday) funds or through your superannuation. You can choose to pay monthly or yearly — and with yearly payments, you may also have the option of a rollover arrangement. I'll help you work out which payment method suits your budget and preferences.

Your Questions, Answered

Read more about each type of cover

Life Insurance

Income Protection

TPD Insurance

Trauma Insurance

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