How claiming works
Talk to us first
Before you stress, just give us a call. We’ll look at your policy, explain exactly what you can claim, and tell you where to start.
We tackle the forms
Paperwork is the last thing you want to do when you’re sick or grieving. We help you fill everything out correctly to avoid the common mistakes that cause delays.
We manage the review
We submit the claim and handle the back-and-forth with the insurer. We chase them up so you don’t have to.
Money in the bank
Once your claim is approved, the funds usually hit your account within 48 hours.
Ready to cross this off your list?
The big question: Do they actually pay?
It’s the number one worry we hear: “I’ll pay premiums for years, but will they actually be there when I need them?”
The short answer is yes. The long answer is backed by hard government data.
The Australian Prudential Regulation Authority (APRA) tracks every claim, and the results show that the vast majority are paid without issue especially when you have a broker fighting for you.
The Numbers (Jan – June 2025)
92% Overall Success Rate
Over 9 out of 10 claims submitted via a broker were paid out in the first half of 2025.
Life Insurance: 97.2%
Income Protection: 94.4%
Trauma Cover: 86.0%
Disability (TPD): 83.0%
Data Source: Official research by APRA (Australian Prudential Regulation Authority).
Lodge a Claim