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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®?

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.

We’re privately owned

We’re privately owned

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

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.

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 age, occupation, health, hobbies and family circumstances. Discover the options to cover your risks.

Step 02

Recommendations

Your Life Sherpa® will work out how much cover you should have, help you balance your needs and budget and give you an easy to read report with an overview of their recommendations.

Step 03

Application

Your Life Sherpa® then kicks off the paperwork and guides you through the process of getting covered.

Step 04

Keeping you and your cover on track

Your Life Sherpa® will help you review your cover each year and keep it in line with your changing needs and budget.

Step 05

Help at claim time

Your Life Sherpa® will be there for you when it comes to claiming, and dealing with the paperwork while you and your family focus on living life.

Any questions?

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

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