Reliable Support When It's Time to Claim
We hope you never need to claim, but if you do, we’ll be by your side
every step of the way—so you can focus on what truly matters.
How we help
Support When You Need It Most
We’ll handle the process with your insurer to ensure your claim is processed smoothly and paid out quickly.
Single Dedicated Contact
No need to repeat yourself—work with one dedicated claims specialist for a smooth and hassle-free experience.
Expert Guidance
From paperwork to insurer negotiations, we handle it all—making your claims process seamless and stress-free.
Faster Payouts
With our expertise, we help you avoid delays and ensure your claim is processed and paid out as quickly as possible.
The claims process
How to make a claim
1. Get in touch with us
Next, we’ll review your policies to identify eligible claims and guide you through your options.
2. We lodge the claim
We'll assist with paperwork and help you gather the necessary medical documents.
3. It Gets reviewed
The insurer will assess your claim and provide a decision, typically within two weeks.
You Get Paid Out
Once approved, payouts are typically processed within 48 hours, though timelines may vary for Income Protection.
how insurance has helped
Client Experiences
When things go wrong, we're often the first call for help. It's a responsibility we take seriously and a privilege we cherish. Here are real stories that highlight why.
Life Insurance
A heartbroken client called us after her husband tragically passed away in his early forties from a sudden heart attack. While Life Insurance couldn’t fill the void, it eased the financial burden—helping her raise their two children and take time to grieve.
Trauma Insurance
A mother of two was diagnosed with kidney cancer. As a nurse, she was medically prepared, and her Trauma Insurance ensured financial stability. The payout covered childcare, her husband's time off, and medical costs. Now cancer-free, she's back at work with savings for the future.
Disability Insurance
Years in a cramped helicopter cockpit took a toll on his spine, leading to severe pain that ended his flying career. His Disability Insurance payout replaced his income and helped him pay off debts, providing much-needed financial relief.
Income Protection
A routine checkup led to a stage 4 cancer diagnosis. That day, he stepped away from accounting to focus on treatment without financial stress, thanks to his Income Protection. His policy provided two years of financial security, allowing precious time with family.
eligibility criteria
When Am I Eligible to Claim?
Make sure you don’t miss a claim opportunity—let’s talk and explore your options.
Life Insurance
If you're diagnosed with a terminal illness (less than 12 months to live) or
if a covered loved one passes away.
Disability Insurance
If two specialists confirm a permanent disability that prevents you from working again.
Trauma Insurance
If you've experienced one of up to 50 covered critical illnesses, such as cancer, heart attack, or stroke.
Income Protection
If an illness or injury keeps you from working beyond your selected waiting period.
Do Insurance Claims Really Get Paid?
In Australia, the majority of claims are successfully paid out—especially when set up through a specialist. But don’t just take our word for it—here are some government-backed statistics to prove it.
$12 Billion
was paid over 100,000 personal insurance claims in 2019
Over 90%
of claims for cover set up by a specialist were paid between 2018 to 2021
Up to 23%
more likely to be paid for cover set up by a specialist vs direct with an insurer
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 Insurance: 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.
Contact Us
Need a hand? We have a few – just reach out.
Get In Touch
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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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