Get the right insurance for you - to protect your family and your income
Secure Your Hard-Earned Success with Affordable, Reliable Insurance.
Get the right insurance for you - to protect your family and your income
Secure Your Hard-Earned Success with Affordable, Reliable Insurance.
Trusted by Australians, Backed by Leading Retail Insurers.
WHAT WE DO
If you got sick and couldn’t work Again
would you survive?
If you got sick and couldn’t work Again would you survive?
We Help Aussies Answer Yes.
We guide you and do the grunt work to set up quality Income, Life, Disability
and Trauma Insurance so you can still live life if sickness or injury gets in the
way.
We guide you and do the grunt work to set up quality Income, Life, Disability and Trauma Insurance so you can still live life if sickness or injury gets in the way.
Get the right insurance
We’ll teach you what you need to know, search the market for your best options and do the application forms for you.
Change it as life does
Want to update your insurance or make sure you’ve still got the best price? That’s what we’re here for.
Get help at claim time
If you ever have to claim, we’ll take the insurance work off your plate so you can focus on what’s important.
WHY WORK WITH US?
We’re your dedicated insurance team for no extra cost
Expert guidance
We simplify insurance—guiding you, handling the setup, and keeping your coverage up to date as life changes.
Quality Insurance
Access top-tier insurance from 9 of Australia’s leading providers—no extra costs, no service fees.
Coverage That Works for You
Get insurance that matches your situation—no unnecessary extras and no missing pieces, just the protection you actually need.
Full Claims Support
A dedicated claims expert will support you and your family through the process, so you can focus on what truly matters.
Personal Insurance Options
Ways to Safeguard What Matters
Different insurance types work together to safeguard your finances—covering medical bills, lost income due to illness or injury, and providing support if a loved one passes away.
One-Time Payment
Life Insurance
Provides a lump sum payment if you pass away or are diagnosed with a terminal illness, ensuring financial security for your loved ones.
Disability Insurance (TPD)
Provides a lump sum payment if you're permanently disabled and unable to work again, helping you pay off debts, modify your home, or invest for future income.
Trauma Insurance
Delivers a tax-free lump sum if you're diagnosed with a serious medical condition like cancer, heart attack, or stroke—helping you access top care and take time off with loved ones.
Recurring Payments
Income Protection
Provides a monthly payout of up to 70% of your income if illness or injury prevents you from working, helping you cover expenses while you recover.
THE PROCESS
Three Simple Steps to Security
We’ll walk you through the four types of insurance, find the best options
for you, and handle the application process.
Learn
We’ll guide you through each insurance type and show you how to customize it to fit your life.
Select
We handle the heavy lifting, gathering quotes from Australia’s retail insurers—so you simply choose the best option.
Apply
After you’ve made your choice, we’ll collect the required details and handle the paperwork submission.
Is it really that important?
What insurance is worth having? In short, we believe you should insure the things that you can’t afford to lose.
“Your most powerful financial asset isn’t your home
or your car: it’s your ability to earn an income.”
Scott Pape | The Barefoot Investor
Australia’s #1 personal finance author
18
Aussie families lose a working-age
parent daily
1 in 3
Aussies suffer a heart attack, stroke or
cancer
1 in 8
Disabled Aussies became disabled due
to an injury
Already Covered by Insurance?
Assistance for Your Current Insurance
Unsure if you're overpaying? Need to update your coverage or file a claim? Reach out—we're here to help!
Lower Your Costs
Looking for the best deal? We’ll compare quotes and update your policy if a better option is available.
Refresh Your Policies
Life changes fast—does your insurance? Whether you've bought a home, had a child, or changed jobs, we’ll ensure your coverage stays up to date.
Claim Support When Needed
Filing a claim? Let our expertise work for you—we’ll handle the process while you focus on what matters most.
Personal Insurance
Frequently Asked Questions
How Much Insurance Coverage Do I Need?
The right amount of coverage depends on your lifestyle, financial situation, and responsibilities—such as your family, home, job, and savings. As your life evolves, your insurance needs may change too.
When Should I Get Personal Insurance?
The best time to get insurance is before you need it. Here’s when each type might be right for you:
Income Protection: If missing work for a month or more would strain your finances..
Life Insurance: If your loved ones would struggle financially if you passed away.
Disability Insurance: If you couldn't afford to retire early due to a disability.
Trauma Insurance: If you’d need financial support for medical bills or time off work.
How Much Will My Insurance Cost?
You only pay for the insurance itself—our services are completely free, with no added fees. Your cost depends on factors like coverage type, age, and health. After a quick 10-minute chat, we’ll provide quotes from multiple insurers so you can choose the best option with full pricing transparency.
We’re paid by insurers at no extra cost to you.
Can I Pay for Insurance Through My Super?
Yes, you can pay for Income, Life, and Disability Insurance through your super (but not Trauma Insurance). A key benefit is a 15% tax rebate, making it more affordable than paying out of pocket. However, premiums will be deducted from your super balance, which may impact your retirement savings.
For Income Insurance, paying outside of super might be better for those in higher tax brackets since it’s tax-deductible. We’re happy to discuss what works best for you.
What If I Already Have Insurance Through My Super?
Many super funds include default insurance, but:
It may not be tailored to your needs—you could be overpaying or underinsured.
It’s often not medically underwritten, meaning coverage terms could change, and there’s no guarantee of a payout as initially expected.
Secure Your Future with a Backup Plan You’ll Appreciate Later!
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Just a heads-up: Living Rich (ABN 57 638 700 428) operates under Nexa Life Solutions Pty Ltd (NEXA) (AFSL 563622) and provides general advice on life insurance. While we share the key information to help you make informed decisions, we can’t offer specific recommendations tailored to your situation.
Additionally, each insurer we work with has its own terms, conditions, eligibility criteria, exclusions, and limitations. Be sure to review the relevant insurer’s Product Disclosure Statement to ensure their coverage aligns with your needs.
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