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How can we help you today?

Whether you’d like to explore Life Insurance Online options, check your eligibility, or learn more about our referral services, we’re here to assist. You can start your enquiry online and connect directly with a licensed professional suited to your needs.

We also value your feedback and suggestions — they help us continually improve the Life Insurance Online experience and ensure our services meet the needs of our users.

For general questions, compliments, or complaints not related to a quote, please use our online contact form so we can direct your enquiry to the appropriate department promptly.

Contact Details

Mailing Address:
PO Box 1183
Palm Beach, Queensland, Australia 4221

Office Location:
43 Larch Street
Tallebudgera, Queensland, Australia 4228

Complaints Handling

If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.

If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:

For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):

Privacy and Information Handling

Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.

Licensing and Regulatory Information

This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.

Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).

For more information about licensing and regulatory matters, please visit the ASIC website.

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Insurance News

Cyclone Insurance Review Puts Northern Tradie Risks in Focus
Cyclone Insurance Review Puts Northern Tradie Risks in Focus
02 Sep 2026: Paige Estritori
A fresh review of Australia’s cyclone reinsurance pool has put insurance access and affordability back in the spotlight for communities and small businesses across northern Australia. The pool was designed to reduce pressure on premiums for cyclone and cyclone-related flood damage by giving insurers access to government-backed reinsurance. - read more
Automation Is Changing Life Cover Decisions
Automation Is Changing Life Cover Decisions
02 Sep 2026: Paige Estritori
Recent industry reporting has put renewed attention on how artificial intelligence and automated decision-making are being used across insurance. For life insurance customers, the issue is not whether technology is good or bad. It is whether faster systems are being used in ways that remain fair, explainable and properly supervised. - read more
Why Tax Purpose Matters When Structuring Business Life Insurance
Why Tax Purpose Matters When Structuring Business Life Insurance
02 Sep 2026: Paige Estritori
Tax treatment of business-owned life insurance is again attracting attention as accountants and advisers work through year-end planning with SME clients. The central message is not new, but it remains widely misunderstood: business life insurance is not treated as one simple tax category. The purpose of the cover, who owns the policy and how any claim proceeds are intended to be used can all affect the outcome. - read more
Advice Reform Debate Puts Key Person Cover in Focus
Advice Reform Debate Puts Key Person Cover in Focus
02 Sep 2026: Paige Estritori
Australia’s life insurance sector is again focusing on the advice gap, with industry bodies and policy participants continuing to press for reforms that could make practical insurance guidance easier for consumers and businesses to access. The debate sits within the Federal Government’s broader financial advice reform agenda and is particularly relevant for business owners who need cover that is both affordable and properly structured. - read more
Why underinsurance warnings matter for businesses with key people
Why underinsurance warnings matter for businesses with key people
02 Sep 2026: Paige Estritori
Recent industry reporting has again put Australia’s life insurance protection gap in the spotlight, with the life insurance sector warning that too many households and businesses remain exposed if illness, injury or death removes a major income source. While much of the public discussion focuses on families, the same issue applies to companies that depend heavily on a founder, director, rainmaker or technical specialist. - read more
Life Insurance Articles

How Life Insurance Premiums Are Calculated in Australia
How Life Insurance Premiums Are Calculated in Australia
Life insurance premiums in Australia are shaped by a mix of personal, health, lifestyle and policy choices. This guide explains the main cost factors, how underwriting works, and why quotes can vary between insurers. - read more
Life Insurance Audit: Regular Check-Ups for Your Policy's Health
Life Insurance Audit: Regular Check-Ups for Your Policy's Health
Life insurance serves as a crucial safety net, guarding your loved ones against the unforeseen. Just as you would take care of your health through regular check-ups, it is equally important to ensure that your life insurance policy remains in sound condition to provide the necessary protection. - read more
How Life Insurance Through Superannuation Works in Australia
How Life Insurance Through Superannuation Works in Australia
Many Australians have life insurance through their super fund, often by default. This guide explains how insurance in super works, what it may cover, key limitations, beneficiary nomination issues and what to check before relying on it. - read more
The Single Parent’s Guide to Securing Your Child’s Financial Future
The Single Parent’s Guide to Securing Your Child’s Financial Future
Single parenting brings with it a mosaic of responsibilities and challenges, not least of which is securing a stable financial future for your child. The rollercoaster of raising a child alone often means that planning for the future can take a back seat to the day-to-day demands of parenting. Unexpected illnesses and injuries can compound these challenges, causing stress to multiply and plans to go awry. - read more
Life Insurance for Entrepreneurs: Protecting Your Business and Family
Life Insurance for Entrepreneurs: Protecting Your Business and Family
Life insurance is a financial product designed to provide a safety net for your loved ones and business in the event of your passing. At its core, life insurance aims to deliver financial protection by paying out a lump sum or ongoing payments to a designated beneficiary upon the insured's death. - read more

Knowledgebase
Insurance Deductible:
the amount that an insured is required to contribute toward an insurance claim as stipulated in an insurance policy. Otherwise known as the "policy excess".