Reliable & Affordable Personal Insurance
We'll equip you with the knowledge to secure the right insurance for your life affordable and stress-free.
types of personal insurance
Personal insurance breakdown
Together each insurance protects you and your family financially against sickness, injury or the loss of a loved one.
Life Insurance
If you become terminally ill or pass away.
What It Covers
Life Insurance provides a one-time lump sum payment if you pass away or are diagnosed with a terminal illness with less than 12 months to live. It’s meant to financially support those who depend on you, such as your spouse, children, or business partners.
Who Needs It?
If your absence would create financial hardship for your loved ones, Life Insurance ensures they aren’t left struggling with expenses.
How Much Coverage Do You Need?
Your policy should cover the financial impact of your passing, including:
Paying off debts (e.g., mortgage, loans)
Supporting your spouse and children
Covering school and education costs
Handling final expenses, such as funeral costs
Personalization Options:
Payout Amount Starts from $50,000, with flexibility to choose higher amounts based on your needs.
Payment Options Available through super, outside super, or a mix of both.
Disability Insurance
If you're too sick to work ever again.
What It Does
Total and Permanent Disability (TPD) Insurance pays a lump sum that covers the costs of being forced into an early retirement due to sickness or injury. It’s usually used for medical care, to pay off debt, replace your missing income or even invested to provide an income.
Do I Need It?
If you became disabled and could never work again, would you survive financially? Disability Insurance helps when your income stops and your expenses stay the same.
How Much Do I Need?
Think about how much you’d need to pay off debts (such as your mortgage), medical or rehabilitation costs, home modifications, household living expenses and the savings you want in retirement.
Personalisation Options:
Payout Amount Anything from $50k.
Payment Options Inside or outside super.
Occupation Covered Your own occupation or any occupation you could do.
Trauma Insurance
If your suffer a serious illness or injury.
What It Covers
Trauma Insurance provides a lump sum payment if you experience a major medical condition—typically covering up to 50 critical illnesses, including heart attack, stroke, cancer, and heart bypass surgery. This insurance is designed to help with recovery, offering financial relief regardless of whether you're able to keep working. The payout can go toward medical expenses, time off work, or simply easing financial stress while you heal.
Who Needs It?
Would a sudden medical crisis put a financial strain on you or your family? Trauma Insurance ensures you can focus on recovery instead of worrying about bills and lost income.
How Much Coverage Do You Need?
Consider how much you’d want available for:
Medical treatments and specialist care Time off work for recovery
Additional support for your family
Income Protection can cover lost wages, while Trauma Insurance helps with the big, unexpected medical costs.
Personalization Options:
Payout Amount Starts from $50,000, with flexibility to choose higher coverage.
Payment Options Available only outside of super.
Child Trauma Cover Option to extend coverage to your children..
Income Protection
If You’re Too Sick or Injured to Work
What It Covers
Income Protection provides up to 70% of your income, starting as soon as 30 days after you stop working. It can continue paying until retirement age, ensuring financial stability during recovery.
Who Needs It?
If being unable to work for weeks, months, or even years would cause financial strain, Income Protection can help cover your expenses.
How Much Coverage Do You Need?
Payout Amount: Up to 70% of your income. Consider the minimum amount you'd need to cover essentials.
Waiting Period: Choose how long you can rely on savings, sick leave, or other funds before payments start (options range from 14 days to 2 years).
Benefit Period: Decide how long you want coverage—options include 2 years, 5 years, or until age 65 or 70.
Customization Options
Payout Amount Generally up to 70% of your income.
Waiting Period Options from 14 days to 2 years.
Benefit Period 2 years, 5 years, or coverage until ages 65 or 70.
Payment Options Pay through your super, outside super, or a mix of both.
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.
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.
our partners
Partnered with Australia’s Insurers
Having access to the majority of retail insurers makes it easier to find the right cover at the right price.
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.
Secure Your Future with a Backup Plan You’ll Appreciate Later!
Navigation
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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