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As life insurance brokers specialising in personal risk insurance, our responsibility is to look after your interests and arrange policies with insurance companies that are best suited to your particular needs and objectives.

We work with 7 individual insurers, so we have the ability to source a range of products from the market. We regularly compare the life insurance products available and are able to find you the most affordable policy which best suits your needs.

We hold our own Australian Financial Services Licence (247 319), which means that we are not influenced by any external dealer group when providing our advice. We work on behalf of our clients and not any particular insurer, so you can count on recommendations for an insurance plan that’s unique to your individual needs and budget.

  • Best rates
  • Financial strength
  • Company integrity
  • Easy claims

In determining the most affordable insurance policy for you, we take into consideration your complete health and lifestyle profile in order to find you the best value. We consider not just premium rates, but also the financial strength/integrity of the life insurance companies quoted, the availability of the products, and the insurer’s claims handling ability.

To ensure you’re completely satisfied, there is a money-back-guarantee. If you change your mind for any reason during the application process or cooling off period, you will receive a full refund, no questions asked. Whether you operate a small to medium business, are a sole trader, or a family looking to secure your financial future, we can help. 

If you’re an individual, Concept Benefit Planning can protect your welfare with:
  • Life Insurance Cover
  • Total & Permanent Disability Cover
  • Trauma Cover
  • Income Protection
  • Business Expenses Cover
If you’re a business, Concept Benefit Planning can secure your financial future with:
  • Business Succession Funding
  • Key Person Capital & Revenue Protection
  • Share Purchase Buy / Sell Funding
  • Partnership Buy / Sell Funding
  • Group Salary Continuance Plans
  • Group Life / Permanent Disability Plans

Is this you?

Young Singles & Couples

You still face many risks to your current and future lifestyle that need to be considered.

Young Singles & Couples

YES

Young Families

Nothing gives you more satisfaction than knowing that your family is secure in your care.

Young Families

YES

Established Families

Now that you’re accumulating wealth, you want to feel confident that it’s protected.

Established Families

YES

Mature Singles & Couples

Deep down inside, you know that true independence requires a good safety net.

Mature Singles & Couples

YES

Learn more about how we've helped some of our clients

“Naturally my heart attack came unexpectedly. I was stressed by work and so much more. So when I found myself in hospital, Josh, Hamish and Kym were compassionate, caring and so helpful. It made all the difference. So did the trauma policy I had! It’s nice to know I was being looked after on so many counts.”  – Barbara G