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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

Introducing Prime One: AI-Driven Cyber Insurance for Australian SMEs
Introducing Prime One: AI-Driven Cyber Insurance for Australian SMEs
22 May 2026: Paige Estritori
In a significant development for Australian small and medium-sized enterprises (SMEs), Cowbell, a leader in adaptive cyber and specialty insurance solutions, has partnered with Zurich Australian Insurance Ltd to launch 'Prime One'. This innovative cyber insurance programme is tailored for SMEs with annual turnovers up to A$100 million, offering swift and comprehensive digital risk protection. - read more
Vero's 2026 SME Insurance Index Uncovers Critical Risk Management Shortfalls
Vero's 2026 SME Insurance Index Uncovers Critical Risk Management Shortfalls
22 May 2026: Paige Estritori
Vero's 2026 SME Insurance Index has brought to light significant gaps in risk management among Australian small businesses. The survey, encompassing over 1,500 businesses, indicates that 75% of small enterprises adopt an 'ad hoc' approach to risk management, lacking formalised strategies to address potential threats. - read more
NIBA Calls for Comprehensive Reforms to Support Small Business Insurance Needs
NIBA Calls for Comprehensive Reforms to Support Small Business Insurance Needs
22 May 2026: Paige Estritori
The National Insurance Brokers Association (NIBA) has recently presented a compelling case to the Parliamentary Joint Committee on Corporations and Financial Services, advocating for substantial reforms to bolster insurance protections for Australian small businesses. This initiative underscores the critical role of insurance in safeguarding the nation's 2.5 million small enterprises, which collectively employ nearly half of the private sector workforce. - read more
HESTA Announces 12% Reduction in Insurance Fees for Members
HESTA Announces 12% Reduction in Insurance Fees for Members
22 May 2026: Paige Estritori
HESTA, a prominent Australian superannuation fund, has unveiled a significant reduction in insurance fees for its members, averaging 12% across all cover types. This initiative, set to commence on 1 July 2026, aims to provide more accessible and affordable insurance options for its members. - read more
ACCC Greenlights Zurich's $425 Million Acquisition of ClearView Wealth
ACCC Greenlights Zurich's $425 Million Acquisition of ClearView Wealth
22 May 2026: Paige Estritori
The Australian Competition and Consumer Commission (ACCC) has granted approval for Zurich Financial Services to acquire ClearView Wealth, a transaction valued at approximately $425 million. This decision follows a comprehensive assessment of the potential impact on competition within the Australian life insurance sector. - read more
Life Insurance Articles

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
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
The Impact of Health and Medical History on Insurance Premiums
The Impact of Health and Medical History on Insurance Premiums
Life insurance is a critical component of a sound financial plan. It provides financial security and peace of mind to you and your loved ones, ensuring that they are taken care of in the event of your untimely death. - read more
Understanding Life Insurance Needs: A Guide for Australian Families
Understanding Life Insurance Needs: A Guide for Australian Families
Life insurance is a financial product designed to provide peace of mind by offering a safety net for your loved ones in the event of your passing. The primary purpose of life insurance is to ensure that your family is financially protected, allowing them to maintain their standard of living even without your income. - read more
How Much Life Insurance Do You Really Need? A Family's Guide to Assessment
How Much Life Insurance Do You Really Need? A Family's Guide to Assessment
Life insurance is one of those cornerstones of financial planning that often gets overlooked. Yet, the importance of life insurance in safeguarding your family's future cannot be overstated. It's a robust financial instrument that provides peace of mind, knowing that your loved ones will be financially secure in the event of your untimely passing. This introductory section lays the groundwork for understanding why life insurance is pivotal in your family's financial health. - read more

Knowledgebase
Insurance Deductible:
That part of an insurance claim that must be paid by an insured person before the the balance is paid by the insurer.