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PO Box 1183 Palm Beach, Queensland, Australia 4221
Our registered office address is 43 Larch Street Tallebudgera, Qld Australia 4228
Australian Credit Licensing Information
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.
Life insurance is designed to provide a payment if the insured person dies or, in some policies, is diagnosed with a terminal illness and the claim meets the policy terms. For families and beneficiaries, the claims process can occur at a difficult time, so it is important to understand how claims are assessed and what issues may affect whether a claim is paid. - read more
Life insurance in New Zealand can include several different types of personal cover, including life cover, terminal illness benefits, trauma cover, TPD cover and income protection. Understanding how these covers differ can help you compare policies more confidently before requesting quotes. - read more
Life insurance underwriting is the assessment an insurer carries out after you apply for cover. It helps determine whether cover can be offered, what premium may apply, and whether any special terms, exclusions or loadings are needed. - read more
Life insurance advisers and brokers can help New Zealand consumers compare policies, understand underwriting questions and arrange cover. This guide explains how advice is regulated, what disclosures to expect, how commissions may work and what to do if you have a complaint. - read more
Renewed industry attention on replacement life insurance advice is a timely reminder for New Zealand households: changing policies is not the same as changing a power plan or mobile provider. A cheaper premium can be attractive, especially when household budgets are under pressure, but the real question is whether the new cover protects your family at least as well as the policy being left behind. - read more
Asteron Life’s ownership transition from Suncorp to Resolution Life has put another spotlight on a practical question for New Zealand life insurance customers: what should you do when the company behind your policy changes? For most existing policyholders, an ownership change does not automatically rewrite the promises in a current contract. - read more
Recent industry attention on insurance complaints is a useful reminder that buying life cover is not only about finding the lowest premium. For New Zealand households, the real test of a policy often comes years later, when a claim is made and the insurer checks whether the policy terms have been met. - read more
A recent Good Returns TV discussion with Financial Markets Authority Director of Deposit Taking, Insurance and Advice Michael Hewes has renewed attention on a practical issue for New Zealand households: too many people still find financial advice hard to access, hard to understand, or too time-consuming to begin. - read more
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Knowledgebase
Insurance broker: An agent acting on behalf of the insured (not the insurance company) who negotiates the terms and cover provided by the insurer in the insurance policy.
