Business Details
Your Trusted Insurance Brokers in South Melbourne
At Clear Choice Financial, we specialise in demystifying insurance jargon to help clients understand product features and benefits. Our team of experienced professionals provides comparative analysis of life insurance products from 12 leading Australian providers, ensuring clients access competitive pricing without additional fees. As an authorised representative of Ingenious Brokers (AFS License 538868), we maintain full compliance with regulatory standards while offering tailored solutions for term life, total and permanent disability, income protection, and trauma insurance.Our Australian-based operations prioritise time-efficient quote acquisition through phone consultations, supported by a commitment to transparency in all advisory services. We maintain exclusive partnerships with major insurers including AIA, BT, MetLife, and Zurich, while acknowledging the importance of independent financial, legal, and taxation advice prior to product acquisition.
Services
Life Insurance
Income Protection
Keyman Insurance
Trauma Protection
Disability Cover
Business Insurance
Marine Insurance
Strata Insurance
Highlights and features
- We compare life insurance products from 12 leading Australian providers
- Price beat guarantee on stepped policies
- No additional service fees
- Australian-based operations with direct quote acquisition
- Partnerships with major insurers including AIA and Zurich
Associations and certifications
- Australian Financial Services License 538868
- Ingenious Brokers Pty. Ltd.
What people say
Professionalism, genuine commitment
Great service, marvellous sense of humour
Best deal immediately
Fantastic service
Recommend David's services
Services
Life Insurance
We provide comprehensive term life insurance solutions designed to protect your loved ones financially. Our policies offer flexible coverage options tailored to individual needs. Clients benefit from comparative analysis across 12 major insurers to find cost-effective solutions.
Income Protection
Our income protection insurance ensures financial stability during unexpected work absences. We offer policies covering up to 75% of regular income with flexible waiting periods. Expert advisors help determine appropriate coverage levels based on personal circumstances.
Trauma Protection
Trauma insurance provides lump sum payments for specified critical illnesses. We offer coverage for conditions including heart attack, stroke, and cancer. Policies can be customised to individual health profiles and family medical history.
Business Insurance
We specialise in business insurance solutions including keyman protection and construction industry coverage. Our commercial policies address specific risks faced by Australian businesses. Partnerships with specialist insurers ensure comprehensive protection for diverse industries.
Disability Cover
Total and permanent disability insurance provides financial security for life-altering injuries. We offer standalone and bundled policy options with benefits payable upon permanent work incapacity. Coverage amounts are determined through detailed needs analysis.
People
David
Insurance Adviser
Experienced insurance professional with demonstrated commitment to client satisfaction. Specialises in simplifying complex insurance products while maintaining regulatory compliance. Recognised for timely service delivery and industry expertise.
Questions
How do I compare life insurance policies?
We provide comparative analysis across 12 major insurers using our online platform or phone consultations. Our advisors explain policy features and pricing to help you make informed decisions.
What insurance products do you offer?
We offer term life, income protection, trauma, TPD, and business insurance. Our general insurance referral partners provide construction, strata, and marine coverage options.
Are your services free?
Yes, we don't charge additional fees. We receive commissions from insurance providers while maintaining transparent pricing structures for all our clients.
How are you different from other brokers?
We combine Australian-based operations with price beat guarantees. Our advisors specialise in simplifying complex products while maintaining partnerships with major insurers like AIA and Zurich.
Can I get immediate cover?
We can often arrange immediate coverage subject to insurer approval. Our streamlined process enables quick policy establishment while ensuring appropriate due diligence.
Do you provide financial advice?
We offer general insurance advice but recommend consulting independent financial planners for comprehensive wealth management strategies tailored to your specific circumstances.
Reviews (4)
Trish Edwards
Jul 11, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Can highly recommend David Khera & the staff at Clear Choice Financial. David listened to my needs and provided the best product for me. He was always easy to contact and returned calls quickly. Very easy to deal with.
Can highly recommend David Khera & the staff at Clear Choice Financial. David listened to my needs and provided the best product for me. He was always easy to contact and returned calls quickly. Very easy to deal with.
Moira Davidson-Copping
Jan 07, 2019
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The service was first rate. The senior consultant was friendly, professional and found me a much better rate on my insurance. He followed up constantly and made any changes and answered any queries with fuss and a high level of professionalism
Glynis Moland
Nov 15, 2018
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The whole procedure was very simple and professional. David was amazing and kept us on track. Excellent service.
Gobi Ramasamy
Feb 05, 2018
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David was awesome and provide full support without any hesitation.I would strongly recommend to others since David is there to support.
