Insurance Broking Services
Life Insurance, Income Protection & Financial Planning
Insurance Solution
Life Insurance, Income Protection & Financial Planning
At Insurance Broking Services, our core expertise is general insurance — protecting your business, your property, and your assets. However, we recognise that comprehensive financial protection extends well beyond general insurance, and that your personal wealth, your family’s security, and your retirement future deserve the same quality of advice as your business program. Life insurance, income protection, trauma cover, investment advice, and financial planning all sit outside our general insurance licence, and they require the specialist knowledge of a qualified financial adviser to structure properly — the right sum insured, the right investment strategy, the right ownership structure, and the right policy terms can make an enormous difference to the outcome when it matters most.
Our Services
Industries We Serve
For this reason, we work with a select group of trusted, qualified financial planners who share our commitment to providing honest, client-first advice. When you need personal insurance or financial planning advice, we will connect you with a financial planning partner we know and trust — someone who understands your situation and can recommend a solution that genuinely fits your needs, goals, and budget, rather than a generic off-the-shelf product.
The personal insurance and financial planning services we can refer you to include:
Life Insurance
A lump sum payment to your family or estate in the event of your death, providing financial security at the most difficult time.
Income Protection
Replaces up to 70% of your income if illness or injury prevents you from working, ensuring your mortgage, bills, and living expenses are covered while you recover.
Trauma & Dread Disease Cover
Pays a lump sum on diagnosis of a specified serious illness such as cancer, heart attack, or stroke, allowing you to focus on recovery without financial pressure.
Total & Permanent Disability (TPD) Insurance
Provides a lump sum if you are permanently unable to work due to injury or illness, covering rehabilitation costs, debt repayment, and ongoing living expenses.
Key Person Insurance
Protects your business against the financial impact of losing a key individual through death or disablement, covering lost revenue, loan obligations, and the cost of finding and training a replacement.
Business Succession (Buy-Sell) Insurance
Funds a buy-sell agreement between business partners, ensuring surviving owners can purchase a deceased or disabled partner’s share without financial strain.
Investment Advice & Portfolio Management
Tailored investment strategies aligned to your goals, risk profile, and time horizon, whether you are building wealth, funding retirement, or managing an inheritance.
Superannuation Advice
Structuring your super contributions, fund selection, and transition-to-retirement strategy to maximise your retirement outcome.
Self-Managed Super Funds (SMSFs)
Establishment, investment strategy, compliance, and ongoing administration of SMSFs for those seeking greater control over their retirement assets.
Retirement & Estate Planning
Structuring your assets, income streams, and estate to provide for your retirement and ensure your wealth passes to the right people in the right way.
Debt Management & Cash Flow Planning
Strategies to reduce personal and business debt, optimise cash flow, and build a stronger financial foundation.
If you would like a referral to one of our trusted financial planning partners,
please reach out to our team and we will make the introduction.
Our Partners
Ready for a Clear,
Cost-Effective Insurance?
With 70 years of combined experience, we’ll help you understand your options and find the right coverage.
Call us today for a free, no-obligation quote.