Income protection

Income protection kicks in to replace your income (such as wages or salary) if you’re unable to work due to illness or injury. Generally, it’ll pay 75% of your usual income, and it can be especially handy for those who are self-employed. Considering most Australian companies only offer 10 days of sick leave a year, it can be life-changing – and it’s the insurance Australians are most likely to claim on.

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Life insurance

Sometimes called Life Assurance, this kind of insurance pays out a lump sum if you die, or are diagnosed with a terminal illness. Not exactly a cheerful thing to contemplate, but it can be incredibly important – especially if you have a family, or people who are depending on you.

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Total & Permanent Disability (TPD)

As the name suggests, TPD pays you a lump sum if you suffer an illness or injury that leaves you unable to work and unlikely to work again. This payout is designed to take the pressure off you financially, and it’s often used to eliminate debts, pay for medical expenses or fund permanent lifestyle changes.

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Trauma

Trauma insurance (also called Critical Illness Cover), provides a lump sum payment when you are diagnosed with a serious illness (such as cancer, Hepatitis C or HIV), or have an incident or injury (such as heart attack, stroke, or accident). The idea is that the insurance helps you and your loved ones get by while you take time out to recover or your partner takes time out to care for you.

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Why Life Sherpa?

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We don’t push products, we provide advice

We don’t push products, we provide advice

This is key - after all, if someone doesn’t understand the ins and outs of your exact situation, how can they know what’s best for you? We take the time to get to know you, and only act in your best interest.

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We’re privately owned

We’re privately owned

Life Sherpa isn’t aligned with any insurance providers – so, unlike many brokers, we’re free to look at hundreds of different insurance options, and to recommend the right one specifically for you.

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We’re by your side from start to finish

We’re by your side from start to finish

From your initial application, right through to approval and beyond, your Life Sherpa will guide and support you every step of the way. What’s more, we’ll be there for you when time comes to claim on your policy.

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Cash back when you need it most

Cash back when you need it most

Most providers pay a commission when you take out an insurance policy. Unlike most brokers, we pass any upfront or trailing commissions to you, less our capped fee. After all, it’s your bonus, so it should come back to you!

Here’s how it works

Step 01

Consultation

Talk to your Life Sherpa about your life, assets, future goals and concerns. From there you can work out what additional insurance cover you may want to explore to give you greater peace of mind.

Step 02

Recommendations

Your Life Sherpa will work with you to determine the right level of cover, and what specific benefits you need and tailor a package to fit your budget. From there, they can review the different policies available, and will give you a free report with an overview of their recommendations.

Step 03

Application

Your Life Sherpa then prepares the paperwork to get your insurance approved. Depending on your health and the cover you need, the insurer may need to talk to your doctor or arrange some health checks. Your Sherpa coordinates this for you.

Step 04

Approval

When your insurance is approved, the insurer prepares the policy documents. You can usually choose whether to pay monthly or annually or even use your super to pay for it. Your Sherpa guides you through this process too.

Step 05

Enjoy life

Now sit back and relax, knowing you’re covered and have someone in your corner if you need to make a claim! Your Life Sherpa will review your policy regularly, and if you’re eligible for a commission cash back, it will be paid into your nominated bank account every month. Happy days!

Any questions?

We’ve answered some of the questions you might have in our FAQs.

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