Insurance Broker Melbourne
General insurance guidance for Melbourne households — considered in the context of how you actually live.
Life Insurance Guidance in Melbourne
Melbourne is one of Australia’s largest and fastest-growing capitals, with a diverse economy and a wide range of household types. Property prices, mortgage sizes and the cost of living can vary significantly across the city, which is one of several factors that may influence the level of personal insurance some households consider.
Personal insurance, including life cover, income protection, trauma and Total and Permanent Disability (TPD) insurance, is one way some Melbourne households consider managing the financial impact of unexpected events such as illness, injury or death of an income earner. The appropriate cover varies based on individual circumstances.
How we work with Melbourne households
Discussions about insurance options and general considerations
Whether you live in inner Melbourne or one of the outer growth corridors, we can help you think through how cover options may apply to your circumstances.
Considering education and family costs
For families with school-aged children, education costs are one of several factors that may be considered when reviewing personal insurance.
Self-employed and contractor cover
We can outline income protection options for self-employed workers and contractors, who may not have access to employer-provided sick leave.
Annual review and adjustment
Circumstances change over time. We can review your existing cover periodically to consider whether it continues to align with your situation.
Understanding insurance needs in Melbourne
Mortgage balances and household debt levels can vary widely across Melbourne. Default cover inside superannuation is generally set at a standard level and may not reflect individual circumstances.
Melbourne’s economy is diverse, spanning finance, healthcare, education, construction, the public sector and a large creative and gig sector. Insurance considerations can vary significantly based on occupation and income type.
Personal expenses such as childcare, education and household bills are often factored in alongside mortgage and income when considering an appropriate level of cover.
Insurance Cover We Help With
We help Melbourne families find the right combination of cover for their situation.
Life Insurance
A lump sum to protect your family if you pass away or are diagnosed with a terminal illness.
Learn moreIncome Protection
Replaces up to 70% of your income if illness or injury stops you from working.
Learn moreTotal Permanent Disability (TPD)
A lump sum if you become totally and permanently disabled and can never work again.
Learn moreTrauma Insurance
A lump sum on diagnosis of a critical illness like cancer, heart attack, or stroke.
Learn moreCommon Questions About Insurance in Melbourne
Talk to a Melbourne Insurance Broker
If you would like to discuss the personal insurance options available to you in Melbourne, you are welcome to book a free, no-obligation conversation.
* Statistics and figures referenced on this page are sourced from Rice Warner Underinsurance Reports, ABS Lending Indicators, ASFA, and industry publications. Figures are approximate and individual circumstances vary.