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Business life insurance can help your organisation stay operational, repay debts and look after stakeholders if an owner, director or key employee dies or suffers a serious illness. The right mix of key person, buy-sell and business protection cover supports both your business and your family.
Our focus is to make complex decisions clear. Explore the main policy types, how cover can be structured for different business entities, and practical steps to compare quotes online. When you are ready, you can request a tailored assessment and review options with experienced brokers Australia-wide via our obligation-free quote service.
This week: Australia edges closer to banning genetic test results in life insurance underwriting; the Federal Court approves a $140m settlement over alleged group life overcharging in super; AFCA rules that “level” premiums can be repriced under policy terms, reinforcing the need to budget for movements; and adviser capacity lifts while the FAAA surveys members on CSLR levy impacts. Takeaways for SMEs: review super group cover alongside key person and buy‑sell arrangements, stress‑test premium paths, and coordinate application timing and medical tests. For tailored help and quotes, visit business-life-insurance.com.au.
Key person insurance pays a benefit to the business if someone critical to revenue, operations or relationships can no longer work.
For many Australian SMEs, a small group of people drive most of the income and client relationships. Losing one of them can lead to reduced sales, lost contracts and unplanned recruitment costs. Key person insurance is designed to provide an injection of capital so the business has time to stabilise and replace capability.
You can nominate whether benefits are intended to cover revenue, capital (such as loans) or both. Explore detailed explanations in our latest business life insurance articles, or talk through structure options with a broker via our secure online quote request.
Buy-sell agreement insurance helps remaining owners fund the purchase of a departing owner’s equity if they die or suffer a major health event.
Without a funded buy-sell agreement, surviving partners may struggle to finance the purchase of equity from an estate. Combining legal agreements with appropriately structured life insurance can support smoother business succession. Learn more in our business succession planning guides.
This book is a guidebook to success in business and professional practice. How you define "success" of course is entirely up to you - we all have different goals and aspirations and come from divergent backgrounds and circumstances. The fact that "success" is a fluid concept does not mean that it cannot or should not be pursued vigorously and enthusiastically. But at what personal price? In this book, Author and professional practitioner, Malcolm Wright, gives an in-depth guide as to how you can
Cost, value and policy design matter. Use tools and independent information to test different cover levels, understand potential tax outcomes and see how business life insurance can fit into your broader financial strategy.
From premium estimates to news updates, we provide resources to help Australian business owners make informed, long-term decisions about life insurance.
Most trading businesses, professional practices and closely held companies can access tailored life insurance solutions.
Whether you are a sole trader, partnership, company or trust, there are ways to structure life cover for owners, directors and key employees. Options may include individual policies, corporate-owned policies or group life insurance for teams. Our overview on how business life insurance works explains typical eligibility and underwriting steps.
Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.
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