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PO Box 1183
Palm Beach,
Queensland, Australia 4221

Our registered office address is 43 Larch Street Tallebudgera, Qld Australia 4228

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This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust) 43 Larch Street Tallebudgera QLD 4228, A.C.N. 010281008, authorised credit representative of Saccasan Pty Ltd, Australian Credit License 386297. Visit the ASIC website for additional licensing information.

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Life Insurance Articles

Maximizing Your Income Protection Payout: Tips and Strategies Maximizing Your Income Protection Payout: Tips and Strategies
In the realm of personal finance, security is a cornerstone that cannot be overlooked, and this is where income protection insurance steps in. For Australians, the peace of mind that comes with knowing you're covered against loss of income due to illness or injury is invaluable. This form of coverage acts as a financial safety net, ensuring that life's unexpected twists do not leave you in a lurch. - read more
Income Insurance: Common Misunderstandings that Could Cost You Income Insurance: Common Misunderstandings that Could Cost You
When life throws unexpected challenges your way, income insurance can be a financial lifesaver. Essentially, it's a policy designed to replace a portion of your income if you're unable to work due to illness or injury. Imagine not having to worry about bills piling up while you focus on recovery. That's the peace of mind income insurance aims to provide. - read more
Deciphering Your Policy: A Beginner's Guide to Insurance Terminology Deciphering Your Policy: A Beginner's Guide to Insurance Terminology
Welcome to the world of insurance – a domain where words like 'deductible' and 'premium' can significantly impact your financial protection and peace of mind. As a beginner, grasping the basics of insurance terminology is the first step towards making informed decisions about the policies that safeguard your assets and future. In this guide, we will embark on a journey through the language of insurance, which can often seem as complex as the policies themselves. - read more
Why Income Protection Insurance is Vital for Your Financial Security Why Income Protection Insurance is Vital for Your Financial Security
Income protection insurance is a type of coverage that provides you with a financial safety net in case you are unable to work due to illness or injury. It typically pays up to 75% of your regular salary, helping you to continue meeting your financial obligations during difficult times. - read more

Insurance News

Envest Group Unveils TLI Underwriting: A New Era for Heavy Motor Fleet Insurance Envest Group Unveils TLI Underwriting: A New Era for Heavy Motor Fleet Insurance
21 Nov 2025: Paige Estritori

Envest Group, a prominent player in Australia's insurance sector, has announced the launch of TLI Underwriting, a new agency dedicated to providing specialized insurance solutions for heavy motor fleet operators. This strategic move aims to address the unique challenges faced by larger transport businesses in Australia. - read more
ASIC Initiates Legal Proceedings Against QBE for Alleged Misleading Discount Practices ASIC Initiates Legal Proceedings Against QBE for Alleged Misleading Discount Practices
21 Nov 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has commenced legal action against QBE Insurance, alleging that the insurer misled more than 500,000 customers regarding premium discounts over a five-year period. This development has significant implications for the Australian insurance industry, particularly for policyholders seeking transparency and fairness in premium calculations. - read more
Hutch Underwriting's Trade Pack: Simplifying Insurance for Australian SME Tradies Hutch Underwriting's Trade Pack: Simplifying Insurance for Australian SME Tradies
21 Nov 2025: Paige Estritori

Hutch Underwriting has unveiled Trade Pack, a comprehensive insurance solution designed specifically for Australia's small and medium-sized trade businesses (SMEs). This innovative product aims to streamline coverage and alleviate the administrative challenges often faced by brokers and tradies alike. - read more
IAG's AI Integration: Revolutionising 'Make Safe' Repair Assessments IAG's AI Integration: Revolutionising 'Make Safe' Repair Assessments
21 Nov 2025: Paige Estritori

Insurance Australia Group (IAG) has integrated generative artificial intelligence (AI) into its property claims assessment process, specifically to determine the necessity of 'make safe' repairs. This technological advancement aims to enhance operational efficiency and reduce costs associated with unnecessary contractor dispatches. - read more

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Deductible:
The amount you must pay out-of-pocket for expenses before your insurance company covers the remaining costs.