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life.insuranceonline.com.au

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

Understanding the Impact of New Regulations on Cosmetic Nurses' Insurance
Understanding the Impact of New Regulations on Cosmetic Nurses' Insurance
17 Jun 2026: Paige Estritori
The Australian cosmetic nursing industry has experienced significant growth, driven by increasing demand for non-surgical cosmetic procedures such as injectables and skin treatments. This expansion has led to heightened scrutiny and the implementation of new regulations aimed at ensuring patient safety and professional accountability. - read more
Guild Insurance and EML Group Announce Strategic Partnership
Guild Insurance and EML Group Announce Strategic Partnership
17 Jun 2026: Paige Estritori
Guild Insurance and EML Group have announced a strategic partnership aimed at strengthening their collective ability to deliver high-quality insurance and claims solutions across Australia. This collaboration introduces a new ownership structure for Guild Insurance, with EML Group leading alongside Guild Group, representing the Pharmacy Guild of Australia, which remains a key shareholder. - read more
APRA and ASIC Advocate for TPD Insurance Reforms
APRA and ASIC Advocate for TPD Insurance Reforms
17 Jun 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC) have jointly called on life insurers to take decisive action to address mounting sustainability pressures in the Total and Permanent Disability (TPD) insurance market. This appeal follows a high-level industry roundtable discussion involving senior executives from 19 insurers and reinsurers, as well as representatives from Treasury and the Council of Australian Life Insurers (CALI). - read more
Surge in Life Insurance Disputes Linked to TPD and Disability Claims
Surge in Life Insurance Disputes Linked to TPD and Disability Claims
17 Jun 2026: Paige Estritori
Recent data from the Australian Prudential Regulation Authority (APRA) reveals a significant concentration of disputes in the life insurance sector, with Total and Permanent Disability (TPD) and disability income insurance (DII) claims accounting for 88% of all disputes. This trend underscores the pressing need for both insurers and policyholders to closely examine the factors contributing to these disputes and seek solutions to enhance the claims process. - read more
Rising Delays in Income Protection Payments Concern Regulators
Rising Delays in Income Protection Payments Concern Regulators
17 Jun 2026: Paige Estritori
Recent findings from the Life Insurance Code Compliance Committee (Life CCC) have revealed a concerning 67% increase in violations related to the timely payment of income protection benefits during the 2024-25 financial year. This surge has raised alarms about the industry's adherence to its own standards and the impact on policyholders. - read more
Life Insurance Articles

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
Single or Married: How Life Insurance Needs Vary Across Different Life Stages
Single or Married: How Life Insurance Needs Vary Across Different Life Stages
Life insurance is a financial product that provides a lump sum payment to your beneficiaries in the event of your death. It is designed to offer financial security by covering debts, daily living expenses, and future financial obligations. - 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
How Much Life Insurance Does Your Family Actually Need?
How Much Life Insurance Does Your Family Actually Need?
Financial security for families is an essential consideration in any household. Life can be unpredictable, and ensuring that your loved ones are protected from financial hardship in your absence is a critical part of financial planning. - 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

Knowledgebase
Insurable Interest:
A financial or other kind of interest in the insured item or person, necessary for a valid insurance contract.