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 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 unbiased recommendations for an insurance plan that’s unique to your individual needs and budget.

As a specialist insurance broker, Concept Benefit Planning works with 7 different insurers. Because of this, we have the ability to source a range of products from the market. And we regularly compare the life insurance products available and are able to find you the most affordable policy which best suits your needs.

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.

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

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.