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FAQs
Insurance Watch enables you to buy your insurance in an environment free of sales pressure. We provide you with quotes and policy benefits comparison information on our entire range of available insurance products so that you can make an informed purchasing decision.
Insurance Watch is a Corporate Authorised Representative of Synchron AFSL 243313.
"Thank you for your extremely helpful, communicative and prompt advices. You really have impressed me. It would be my absolute pleasure to recommend you, and Insurance Watch services to others. Thank you again." - Chris (QLD).
"I have been meaning for the past month to email and thank you for all your help at such short notice at the end of February. Everything is now in place with my life insurance and I feel so much better. I hope you don't mind, but I have passed your details on to a friend of mine." - Ann (NSW).
Open 24hrs, Open 365 Days, Open Monday - Friday
Accidents, Builders, Disability, Entertainment, Health, Illness, Income Protection, Life, Property, Superannuation, Transportation, Trauma, Travel
Underwriting
Business, Family, Individuals
Australian Owned, Free Quotes, Insurance Claims, Licensed
Commercial, Community
Discount Life Insurance, ClearView, AMP, MLC, Life Insurance Advice, CommInsure, Asteron, SMSF Insurance, Cashback, Zurich, BT, Compare Premiums, MetLife, Life Insurance Broker, AIA, Life Insurance Companies, Insurance for super funds, Online Life Insurance Quotes, OnePath, TAL, NEOS, Integrity
Yes. Usually only persons with Australian permanent residency status or who are in the process of applying for permanent residency will be considered for insurance. For new immigrants to Australia there may be a period of established occupation and income required before income protection or TPD cover is provided.
Yes. All of the Life/TPD policies quoted on our website can be owned and paid for by a SMSF for one of their members. Some insurers offer discounts where related persons apply with them.
For Life, TPD and Trauma policies the answer is generally no. However income protection premiums are generally tax deductible in the year they are paid. This means that if your marginal tax rate is 30% you will effectively receive a tax refund of 30% of your premium when you complete your tax return.
Life insurance companies have in recent years relaxed their medical requirements. If you are under 45 you can generally apply for up to $2.5 million of life insurance cover or income protection up to $6500 a month without any medicals. Having said this, if you disclose a medical condition in your application the insurer may still request a report from your doctor, medical exam or blood test in order to obtain more information about this.
