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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

Top Mistakes to Avoid When Comparing Income Protection Insurance Top Mistakes to Avoid When Comparing Income Protection Insurance
Insurance plays a pivotal role in maintaining financial stability, especially for working adults in Australia. It acts as a safety net, offering peace of mind in the face of uncertainties. By securing an insurance policy, individuals protect themselves against potential financial disruptions caused by unexpected events. - read more
The Crucial Role of Life Insurance in Business Continuity Planning The Crucial Role of Life Insurance in Business Continuity Planning
Life insurance is a fundamental component that can play a significant role in the continuity of a business. Essentially, it's a contract between the policyholder and the insurer where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person. This financial safety net can be crucial for businesses wanting to safeguard their future operations against unexpected losses. - read more
Life Insurance for Young Adults: Why It’s Never Too Early to Get Covered Life Insurance for Young Adults: Why It’s Never Too Early to Get Covered
Life insurance might not be at the forefront of your mind, especially when you're young and healthy. However, understanding the essence of life insurance early on can significantly impact your financial future and provide much-needed peace of mind. - read more
Life Insurance for Millennials: Preparing for the Future Life Insurance for Millennials: Preparing for the Future
Imagine this: you’re a young professional establishing your career, managing student loans, and possibly even thinking about buying a home. Amidst all these financial responsibilities, life insurance may seem like something to worry about much later. However, even at a young age, securing life insurance can be a vital step towards protecting your financial future. - read more

Insurance News

Understanding AustralianSuper's Income Protection Reduction Understanding AustralianSuper's Income Protection Reduction
16 Apr 2026: Paige Estritori

AustralianSuper, one of Australia's largest superannuation funds, has announced a significant change to its default income protection insurance. Effective from 28 February 2026, the fund will reduce the default income protection cover to $1,000 per month. This adjustment aims to align insurance coverage with members' actual income levels and prevent over-insurance, which can erode retirement savings. - read more
CareSuper Enhances Income Protection Benefits for Members CareSuper Enhances Income Protection Benefits for Members
16 Apr 2026: Paige Estritori

CareSuper has announced an enhancement to its income protection insurance offerings. Starting 1 April 2026, members can apply for income protection cover up to 87% of their current income, including up to 12% super contributions. This is an increase from the previous limit of 85% of income, which included up to 10% super contributions. - read more
APRA Enhances Capital Requirements for Sovereign Insurance Australia APRA Enhances Capital Requirements for Sovereign Insurance Australia
16 Apr 2026: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has recently mandated an additional capital requirement of $2 million for Sovereign Insurance Australia Pty Ltd. This directive is part of APRA's ongoing efforts to bolster the financial stability and resilience of insurers operating within Australia. - read more
Europ Assistance Australia Enters Market with APRA's Approval Europ Assistance Australia Enters Market with APRA's Approval
16 Apr 2026: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has granted a new general insurance licence to Europ Assistance Australia, marking the company's official entry into the Australian insurance market. This development introduces additional competition and diversity within the sector. - read more

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Waiting Period:
The time period that must pass after filing a claim before the insurance coverage becomes effective or benefits are paid.