Personal insurance to protect you and your family without hassle

Protect the life you’ve built with personal insurance that protects your family financially from poor health, injury or the loss of a loved one.

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Some of our stats

20+

years in business

98%

of claims paid out

100+

clients insured

1,000+

polices set up

How we help

We help with each step of the way

From the setting up your personal insurance to claim time, we’re here to support and guide you at every step. We’ll even take the paperwork off your plate.

Here at applications

Setting up life insurance alone can be daunting. We’re here to guide you through the process, search the market for your best options, and help with the application forms.

Here for updates

Good insurance is personalised insurance. We’ll check in every couple of years to make sure your personal insurance still matches your life and your budget.

Here at claim time

You’ll have more important things on your mind at claim time than filling out forms. We’ll manage the entire claims process so you can focus on your family and your recovery.

Why us

We’re your dedicated insurance specialists for no extra cost

Get help setting up quality insurance you can’t access on your own. And the best part? We don’t charge for our services since we get paid by the insurers (just like mortgage brokers).

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Guidance from insurance experts

Save hours researching and comparing policies - we stay up-to-date so you don’t have to.

Customised insurance that fits your life

Get cover that’s customised to you. We’ll also check in every few years to make sure it stays up to date.

Access the industry’s best insurance

Get access to insurance from Australia’s leading insurers through our partnerships, at no extra cost.

Support from application to claims

We’ll never leave you hanging - from the start all the way to claim time, we’ll help with everything.

We were interviewed on a podcast

Hear SG Risk’s founder, Steve Grice, talk about how he got started as well as the four types of personal insurance every Aussie should know about.

Listen now

21 min 46 sec

We’ve partnered with 90% of Australia’s top insurers

Insurances types

The 4 types of personal insurance

Personal insurance has 4 different types, each type protects you in a different situation.

Income insurance

If you’re too ill or injured to work, this insurance pays up to 70% of your income monthly. That way you can focus on recovering until you’re better.

Life insurance

If you pass away or become terminally ill, this insurance pays out a lump sum, allowing you to rest easy knowing your loved ones will be cared for financially.

Disability insurance

If you become totally and permanently disabled and aren’t able to work again, this insurance pays out a lump sum to cover your medical bills and living expenses.

Trauma insurance

If you’re diagnosed with a serious medical condition such as cancer, heart attack, etc, this insurance pays out a lump sum to help cover time off and good treatment.

Who we help

The typical clients we help

Although, we’d never turn anyone away who comes asking, normally those who ask for help are homeowners, families, tradies, and business owners.

Homeowners

With buying a home becoming harder and harder, you want a backup plan to avoid falling behind on your payments if poor health stopped your income.

Families

Whether it’s your first child or your seventh, you want to provide them the best life possible and protect your family from financial hardship.

Tradies

Your job requires you to be physically active and moving around. This increases your risk of injury and makes getting sick not an option.

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Biz owners

With the sacrifices it took to build up your business, you want to safeguard the years of hard work you’ve put in to get where you are now.

Client Stories

Real life client stories

Here are the some stories of clients who were glad they had insurance when life threw them a curved ball.

Illustration of a girl inspecting some documents

A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance

A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance

A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance
A client was diagnosed with terminal breast cancer in 2022. Her life insurance paid her out 12 months before her passing. The money allowed her and her husband time to travel and enjoy some precious memories together.
Life insurance
A roofer dropped a tree trunk on his foot and broke his toes. He had to take 8 weeks off work since he couldn’t balance on roofs, but his income insurance stepped in with income while on he was on claim.
Income insurance
A 27 year old was diagnosed with thyroid cancer. Her trauma insurance paid out $200,000 which allowed her to pay her medical bills, a business loan, and have 6 months off work.
Trauma insurance
A builder cut his hand badly with a saw, damaging the tendons in his fingers which meant he couldn’t go back to work for 3 months. His income insurance helped keep him afloat financially while he was off.
Income insurance
A blacksmith was diagnosed with a muscle wasting disease. His disability insurance paid out $300,000 since he couldn’t go back to his own occupation. With this, he paid off his home and had time to work out his next steps.
Disability insurance
At 41, a client’s blood test picked up a high PSA result and after more tests, his prostate had to be urgently removed. His income insurance and lump-sum trauma supplied funds for many months while he recovered.
Income & trauma insurance

Claims process

When claim time comes, what should you do?

If you’ve become too sick or injured to work, it’s time to claim on your insurance. Here’s what we'd suggest.

Illustration of a girl working something out on her phone

Visit your doctor

If you’re able to, getting a medical opinion on your condition will give us the information we need to submit a claim.

Get in touch with us

Let us know what’s happening and we’ll walk you through the options you have in your situation.

We lodge the claim

To avoid common mistakes, we’ll help you with the claims forms and handle the back and forth with your insurer.

Review and payout

The insurer will review your claim and if it’s accepted, you’ll normally receive the money within 48 hours.

Get in touch

Payout Stats

Does personal insurance actually get paid out?

The Australian government monitors the insurers closely to make sure claims do get paid out. Here’s some data they published in 2022.

Illustration of a girl happily riding a scooter, distributing gifts

Overall

92%

Over 9 out of 10 people who claimed were paid out during 2022

Income

95.2%

Life

98.0%

Disability

86.8%

Trauma

88.1%

APRA (a government regulatory authority) conducted this research.

FAQs

The common questions

If your question is not listed, please feel free to get in touch.

Get in touch

What’s the process to take out personal insurance?

Can I pay for my policies through my Super?

How much is this going to cost?

What if I already have insurance through my Super?

How much cover do I need?

Personal insurance to protect you and your family without hassle

Personal insurance to protect you and your family without hassle

We help with each step of the way

Here at applications

Here for updates

Here at claim time

We’re your dedicated insurance specialists for no extra cost

Guidance from insurance experts

Customised insurance that fits your life

Access the industry’s best insurance

Support from application to claims

We were interviewed on a podcast

We were interviewed on a podcast

We’ve partnered with 90% of Australia’s top insurers

The 4 types of personal insurance

Income insurance

Life insurance

Disability insurance

Trauma insurance

The typical clients we help

Homeowners

Families

Tradies

Biz owners

Real life client stories

Real life client stories

Real life client stories

When claim time comes, what should you do?

When claim time comes, what should you do?

When claim time comes, what should you do?

Visit your doctor

Get in touch with us

We lodge the claim

Review and payout

Does personal insurance actually get paid out?

Income

Life

Disability

Trauma

The common questions

The common questions

The common questions

We’re here to help