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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

Tailoring Income Protection for Medical Professionals Tailoring Income Protection for Medical Professionals
Income protection insurance is a vital safety net for individuals across various professions, designed to provide financial stability if one is unable to work due to illness or injury. This type of insurance replaces a percentage of your income, alleviating the burden of regular expenses while you focus on recovery. For medical professionals who often have high earnings and extensive financial commitments, this coverage is particularly important. - read more
Tips and Tricks for Fitting Insurance Premiums into Your Monthly Budget Tips and Tricks for Fitting Insurance Premiums into Your Monthly Budget
Understanding the significance of insurance in managing your finances is crucial. It acts as a safeguard, providing a buffer against unexpected losses or damage to your most valuable possessions. However, the costs associated with this necessary protection can be challenging to manage, especially when it comes to fitting insurance premiums into a monthly budget. - read more
Life Insurance: How much is enough? Life Insurance: How much is enough?
When considering life insurance, you're planning and preparing for an event that most of us would rather not think about. But life insurance represents a critical step in managing your personal finances and ensuring your family's well-being. - read more
Why Every Australian Needs Income Protection Insurance Why Every Australian Needs Income Protection Insurance
Income protection insurance is designed to provide financial support if you are unable to work due to illness or injury. It ensures that you continue to receive a portion of your income, allowing you to cover your living expenses and maintain your standard of living during difficult times. - read more

Insurance News

AFCA Criticises TAL for Unfair Termination of Income Protection Benefits AFCA Criticises TAL for Unfair Termination of Income Protection Benefits
16 Nov 2025: Paige Estritori

The Australian Financial Complaints Authority (AFCA) has recently ruled against TAL, a prominent life insurer, for terminating a policyholder's income protection benefits without prior notice. This decision underscores the critical importance of procedural fairness in the management of insurance claims. - read more
Actuaries Institute Highlights Financial Strain of Mental Illness on Insurance Systems Actuaries Institute Highlights Financial Strain of Mental Illness on Insurance Systems
16 Nov 2025: Paige Estritori

The Actuaries Institute has issued a call for immediate action to address the escalating financial strain that mental illness is placing on Australia's insurance and compensation systems. This appeal underscores the pressing need to ensure the sustainability of the nation's financial safety net in the face of increasing mental health-related claims. - read more
Fitch Ratings Anticipates Continued Premium Increases in Australian Insurance Sector Fitch Ratings Anticipates Continued Premium Increases in Australian Insurance Sector
16 Nov 2025: Paige Estritori

Fitch Ratings has projected that Australian insurers will continue to implement premium increases, with gross written premiums expected to grow by mid to high single digits. This forecast is driven by the need to offset rising claims and increased allowances for natural hazards. - read more
Surge in Cyber Insurance Adoption Among Australian Businesses Surge in Cyber Insurance Adoption Among Australian Businesses
16 Nov 2025: Paige Estritori

In the past year, BizCover, a leading small business insurance provider, has reported an almost 50% rise in sales of cyber liability insurance. This significant uptick underscores the escalating awareness and concern among Australian businesses regarding cyber threats. - read more

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Knowledgebase
Grace Period:
A time period after the premium is due during which an insurance policy remains in force even if the premium has not yet been paid.