Business Details
22 Years
experience
Trusted Insurance Services in Moore Park Beach
Personal Insurance has been dedicated to providing tailored personal risk insurance solutions for over two decades. Founded in 2004, our expertise lies in helping self-employed professionals and salaried workers secure comprehensive coverage, including life, trauma, TPD, and income protection insurance. Our team of specialists navigates the complexities of the Australian insurance market to ensure clients receive the most suitable policies at competitive rates.We prioritise transparency, offering free policy reviews and ongoing support, while maintaining strict adherence to regulatory standards through our licensing with ASIC. With a focus on long-term client relationships, we deliver personalised service and assist in optimising insurance through superannuation funding options.
Services
Life Insurance
Trauma Insurance
TPD Insurance
Income Protection
Superannuation Funded Insurance
Details
- Year established: 2004
Highlights and features
- We have over 20 years of specialist experience in personal risk insurance.
- Our free policy review service ensures ongoing competitive premiums.
- We secure coverage for clients declined by other insurers through multiple underwriters.
- We offer superannuation-funded insurance options for tax-efficient protection.
- Our team holds formal financial planning qualifications and industry accreditations.
Associations and certifications
- Australian Securities and Investments Commission (ASIC)
- Australian Financial Complaints Authority (AFCA)
Services
Life Insurance
Life Insurance provides a lump sum payment upon premature death, with flexible coverage amounts and age-based premiums. Clients can adjust cover levels over time to match changing needs. Our service ensures tailored policies that align with your financial obligations and life stage.
Trauma Insurance
Trauma Insurance pays a lump sum for specified critical illnesses like cancer, stroke, or heart disease. Policies can be attached to life insurance for combined benefits. We help clients navigate coverage options and cost-effective solutions tailored to their health profile.
TPD Insurance
TPD Insurance offers a lump sum if you become permanently disabled and unable to work. Coverage can be standalone or linked to life insurance. We explain policy nuances, including 'any occupation' versus 'own occupation' definitions, to ensure informed decisions.
Income Protection
Income Protection replaces up to 70% of your income during temporary disability from illness or injury. Policies include flexible waiting and benefit periods. We specialise in securing comprehensive coverage for self-employed individuals and contractors.
Superannuation Funded Insurance
Superannuation-funded insurance allows tax-efficient premium payments through retirement savings. We advise on optimal structures for life, trauma, and TPD policies within superannuation frameworks to enhance financial security.
People
David Keenan
Principal Adviser
David Keenan, ASIC-licensed adviser since 2004, holds a Bachelor of Commerce in Finance and a Master of Commerce in Financial Planning. He specialises in personal risk insurance, focusing on tailored solutions for self-employed professionals and salaried workers.
Questions
What types of insurance do you offer?
We specialise in life insurance, trauma insurance, TPD insurance, and income protection policies tailored to self-employed professionals and salaried workers.
Can I fund my insurance through superannuation?
Yes, we offer superannuation-funded life insurance and income protection options to help clients optimise tax efficiency and retirement planning.
Do you assist with existing policy reviews?
We provide free reviews of existing policies to ensure your coverage remains competitive and aligned with your current needs.
Are you licensed to provide financial advice?
Yes, we operate as an authorised representative of Bluewater Financial Advisers Pty Ltd (AFSL 411846) under ASIC regulation.
How do you handle complex insurance applications?
We work with multiple underwriters to secure coverage for clients declined elsewhere, leveraging our industry expertise to navigate complex cases.
What areas do you service?
We primarily serve clients in Queensland and New South Wales, with nationwide support available for Australian residents.
