Whether you’d like to explore Business Life Cover options, request a quote, or learn more about our referral services, we’re here to assist. You can start your enquiry online and request a referral to a participating insurance broker to discuss your requirements and, where applicable, available options.
We also value your feedback and suggestions - they help us continually improve the Business Life Cover experience and ensure our services meet the needs of our users.
For general questions, compliments or complaints about our website or referral service, please use our online contact form so we can direct your enquiry to the appropriate department.
If your enquiry relates to a quote, application status, existing insurance policy or loan, repayment, claim, approval decision or another matter being handled by a broker, lender, insurer or other provider, you should contact that business directly. We do not make lending or insurance decisions and do not have access to participating brokers’ or providers’ application, policy, loan or claims systems.
If you previously submitted an enquiry through this website and need assistance identifying or contacting the broker or provider to whom your enquiry was referred, you may contact us and we will check our referral records. Where appropriate, we can also forward your request to the relevant participating broker or provider so they can respond to you directly.
Please do not include sensitive personal or financial information in the contact form, such as passwords, banking details, credit card details, Tax File Numbers, identification documents or other information that is not necessary for us to identify your original enquiry.
Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
Complaints Handling
If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
f you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA) to check whether it can consider your complaint. AFCA is an independent external dispute resolution scheme approved by ASIC:
For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):
Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request and, where applicable, refer you to a licensed professional.
You can request access to or correction of your personal information at any time by contacting us in writing.
Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
A Queensland Court of Appeal decision involving AIA Australia has put renewed attention on how technical policy conditions can affect total and permanent disability claims, and why business owners should not treat insurance wording as a background detail. The case concerned group TPD cover held through superannuation, but its broader message is relevant to SMEs that rely on life, TPD and disability-style cover to protect debt, ownership arrangements and business continuity. - read more
Australia’s life insurance sector is moving into a detailed debate over how mental health conditions should be treated in disability-style cover, and the outcome could matter for business owners who rely on insurance to protect income, debt and operational continuity. - read more
Fresh compliance attention on life insurance claims handling is a timely reminder that cover is only valuable if it can respond clearly and efficiently when a business is under pressure. Recent industry monitoring has again highlighted familiar issues for life insurers, including claim delays, communication gaps, repeated evidence requests and the need for more consistent support where customers are vulnerable or dealing with complex medical events. - read more
Tax treatment of business-owned life insurance is again attracting attention as accountants and advisers work through year-end planning with SME clients. The central message is not new, but it remains widely misunderstood: business life insurance is not treated as one simple tax category. The purpose of the cover, who owns the policy and how any claim proceeds are intended to be used can all affect the outcome. - read more
Estimating business life insurance cover starts with identifying what the policy is meant to protect: revenue, key people, business debts, ownership succession or personal guarantees. This guide outlines practical steps Australian SME owners can use before requesting quotes or advice. - read more
Buy-sell agreements are crucial legal contracts that outline how a partner’s share of a business may be reassigned if that partner dies or otherwise leaves the business. These agreements are often part of a company's succession planning strategy, aiming to provide a clear path forward in the case of unforeseen events. - read more
Buy-sell insurance is a financial strategy primarily focused on small to medium-sized enterprises (SMEs). It involves an agreement among business partners to manage the transfer of ownership shares in the event of a significant change, such as the departure, disability, or death of a partner. Essentially, it's a safeguard designed to ensure business continuity during tumultuous times. - read more
Business debt protection insurance is designed to help a business manage debt obligations when unexpected events disrupt cash flow or threaten its ability to repay loans. For Australian SMEs with limited reserves, personal guarantees or significant finance commitments, it can form part of a broader risk management plan. - read more
Knowledgebase
Term Life Insurance: A type of life insurance policy that provides coverage for a specified period, such as 10 or 20 years.
