For a more detailed view, our insurance review process is designed to be simple, thorough, and tailored to your personal circumstances. Here’s how it works

1. Initial Discussion: – We start with a short, obligation-free conversation to understand your current situation, including any existing policies, financial goals, and family needs.

2. Information Gathering: – We’ll request details about your current life insurance (inside or outside super), including cover levels, premiums, and policy features. If needed, we can help you obtain this information.

3. Needs Analysis: – We assess whether your current cover still meets your needs. This includes reviewing your debt levels, dependents, income, and any recent life changes (e.g. new job, home purchase, health changes).

4. Policy Comparison: – We compare your existing policy with a range of other quality providers in the market. We look at cost, benefits, policy definitions, exclusions, and long-term value.

5. Recommendations: – You’ll receive clear, personalised recommendations. If we find your current policy is still the best option, we’ll tell you that. If improvements are available, we’ll explain the benefits and costs.

6. Implementation Support: – If you choose to proceed with any changes, we handle the paperwork and assist you throughout the application process, including any underwriting requirements.

7. Ongoing Support: – Life changes — and so should your insurance. We offer regular reviews to ensure your cover stays aligned with your life stage and priorities.

Changing insurance providers typically takes 2 to 4 weeks, depending on your personal circumstances and the complexity of the cover.

Here’s a general timeline:

1. Initial Review (1–3 days):

   We assess your current policy and needs, and compare it with options from other insurers.

2. Application (1–7 days):

   If you choose to proceed, we’ll complete and submit the application on your behalf.

3. Underwriting (1–14 days):

   The insurer may require additional information, such as a health questionnaire, GP reports, or medical tests. The time this takes depends on how quickly information is provided.

4. Policy Issued & Activation:

   Once approved, your new policy is issued. We’ll help you ensure there’s no gap in cover between cancelling the old policy and starting the new one.

Important: We never recommend cancelling your existing policy until your new one is approved and active.

Our life insurance review service is completely free for you.

There are no consultation fees or out-of-pocket costs. If you choose to take out a new policy based on our recommendations, we receive a commission from the insurer — this is standard across the industry and does not affect the premium you pay.

We’re committed to providing transparent, obligation-free advice, so you can make confident decisions about your cover without worrying about fees or pressure.

There’s no such thing as too often — but for most people, a review every 1 to 2 years is ideal.  However, it is especially important to review your insurances when major life events occur, such as:

• Buying or selling a home

• Getting married or divorced

• Having children or becoming a caregiver

• Changing jobs or income levels

• Starting or closing a business

• Significant changes to your health

Regular reviews help ensure your cover remains relevant, cost-effective, and aligned with your current needs. We’re here to make the process quick and easy whenever you’re ready.