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switch life Insurers without the Headaches.
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Life Insurance BrokerS
Cheaper upfront doesn’t mean cheaper long term
Health changes can affect your cover
Not all policies are the same
Policy wording impacts claims
TOO MANY Insurers
NO CLEAR ANSWER.
Getting Quotes
THAT DON'T Match.
Reading Fine Print
THAT'S HARD TO UNDERSTAND.
FEAR OF MAKING
THE WRONG DECISION.
That’s where Protect Buddy Steps in.
Protect Buddy simplifies life insurance. We explain the fine print, breakdown what’s important and provide clear information to let you choose the right cover with confidence.
Too Many Choices.
No Clear Winner.
Nothing Matches.
Nothing Makes Sense.
I’M READING IT.
BUT I DON’T REALLY GET IT.
MEET KEN, HE’S WORKED FOR LIFE INSURERS
(and NOW HE WORKS FOR YOU)
After 15+ years working inside Australia’s largest life insurers, I know exactly how policies are priced, assessed, and paid out.
Find better value (not just cheaper premiums)- Avoid policy traps buried in the fine print
- Get cover that actually pays when it matters
$100M+ in life insurance protection
Why it feels
impossible to compare
it right.
Less confusion. No wasted time. Better decisions.
NO CLEAR ANSWER.
THAT DON'T Match.
THAT'S HARD TO UNDERSTAND.
about your options.
Buddy Steps in.
Protect Buddy simplifies life insurance. We explain the fine print, breakdown what’s important and provide clear information to let you choose the right cover with confidence.
MEET KEN,
HE’S WORKED FOR LIFE INSURERS
(and NOW HE WORKS FOR YOU)
- Find better value (not just cheaper premiums)
- Avoid policy traps buried in the fine print
- Get cover that actually pays when it matters
$100M+ in life insurance protection
(No Lengthy Paperwork)
HACKS TO SAVE ON LIFE
& INCOME PROTECTION
Large Sum Insured Discounts
Multi-Policy Discounts
Partner / Family Discounts
Pay Annually
Structure Your Policy Via Super or SMSF
Introductory Offers
Loyalty Bonuses
Wellness Programs
Getting it wrong
will cost you big time.
Once you change your cover, you may not be able to go back.
Your old policy may not be available again, and new cover may include exclusions or be declined .
Know what you’re covered for
See your options clearly
Avoid health-related surprises
You stay in control
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ON LIFE INSURANCE?
HOW TO COMPARE LIFE INSURANCE WITH US
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What is life insurance?
Many Australians use the term “life insurance” to describe personal protection cover in general.
But technically, Life Cover (or Death Cover) pays a lump sum to your family if you pass away or are diagnosed with a terminal illness.
It’s designed to help protect your loved ones financially by covering things like the mortgage, debts, school fees, and everyday expenses
How much does life insurance cost in Australia?
It varies depending on your age, health, occupation and how much cover you need. For a healthy 30-year-old non-smoker, you might pay around $50-150 per month for decent cover. The earlier you get it, the cheaper it generally is. Get a quote to see your exact price, no strings attached.
Do I actually need life insurance?
If you have people depending on you financially, a partner, kids, a mortgage, then yes, life insurance is worth considering. It means if something happens to you, your family won't be left scrambling financially. Even if you're single, it can cover debts or funeral costs so your family isn't burdened.
What's the difference between Life, TPD, Trauma and Income Protection?
Great question. Here's the quick breakdown:
• Life (Death Cover): Pays a lump sum if you pass away or are diagnosed with a terminal illness.
• TPD (Total & Permanent Disability): Pays a lump sum if you can never work again due to illness or injury.
• Trauma (Critical Illness): Pays a lump sum if you're diagnosed with a serious condition like cancer, heart attack or stroke.
• Income Protection: Replaces up to 70% of your monthly income if you can't work due to illness or injury.
Can I get life insurance if I have a pre-existing condition?
Yes, but different insurers assess conditions differently. Some might load your premium, others might exclude that specific condition, and some might offer standard rates. That's why it pays to compare. We've helped people with all sorts of health backgrounds find cover that works.
What happens if I cancel my life insurance?
You lose your cover, full stop. Any premiums you've paid are gone, and if your health changes later, you might find it harder (or more expensive) to get cover again. If you're thinking about cancelling, chat to us first, we might be able to help you reduce your cover instead, or find a better option.
Is the free consultation really free?
100%. No upfront fees, no obligation. We chat for 15 minutes, we show you what's out there, you decide what to do. We're not here to pressure you into anything.
How long does it take to get life insurance?
Once you decide on cover, the application itself takes about 15-20 minutes. Approval can be instant, or it might take a few days if the insurer needs more info. We'll guide you through the whole process.
What's the difference between retail and superannuation life insurance?
Superannuation insurance (sometimes called group insurance) is cover inside your super fund, it's often cheaper but the cover amounts are usually lower and it's not tailored to your situation. Retail life insurance is a policy you buy directly, gives you more control over your cover, and generally offers better protection. We've got a whole section on this above, check out "But Don't I Already Have Cover Through My Super?"
Real Stories,
Real Protection
