Insurance

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Insurance Advisory Disclaimer

Expert Mortgages provides specialized mortgage advisory services. Please note that we are not licensed to provide advice or consultation on insurance products, including but not limited to life, disability, income protection, general insurance, or health insurance.

All matters related to insurance fall outside the scope of our services. If you require assistance with insurance products, Expert Mortgages may, upon request, refer you to an independent and licensed insurance adviser. Please note that any such referral is for your convenience only, and we do not endorse, guarantee, or make any representations regarding the qualifications, services, or advice provided by third-party insurance advisers.

Expert Mortgages assumes no responsibility for any actions, decisions, or outcomes resulting from your engagement with these advisers. All insurance advice, products, and services are provided solely by the referred third-party adviser, and any agreement or reliance on their services is at your own discretion and risk.

Along with helping you with your loan requirements to achieve their financial goals, we also assist in protecting the loan payments and your requirements in case of unforeseen circumstances. We will help you protect your family and assets, assess what type of cover you should have, which company’s product will be best suited to your needs, and what will be best possible premium for the selected products. Help you compare the insurance premiums from multiple insurance companies to ensure you get an unbiased view that means you don’t waste time having to shop around.

Whether its life insurance, trauma/critical illness insurance, disability insurance, mortgage protection insurance, income protection insurance, or health/medical insurance, we will ensure you are adequately covered.

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General Insurance

The risk is associated with everything and so, it is important to secure all the things that we own, and that security is provided by insurance. General insurance policies are designed to protect you financially against certain risks and events.

Three of the most important general insurances are:

Home Insurance

Whether it’s your home or an investment property, your property is likely to be your most valuable asset. It is important to protect it.

Contents Insurance

Your personal possessions can have a significant financial and sentimental value. Its vital to protect your valuables. Content insurance cover your belongings from accidental loss or damage

Car Insurance

Car Insurance cover you against accidental damage to or loss of your motor vehicle. It also protects you if your car accidentally damages someone else’s car or property.

Most insurance companies offer different types and level of covers. It is easy to over/under insure. In most cases, you can also choose to pay your excess weekly/fortnightly/monthly or yearly. We work with you and assist you in choosing the right cover and frequency of premium to protect yourself and your assets and provide you with a comfortable payment option.

Don't Leave it to fate, get covered today

Life Insurance

Protect yourself and your loved ones

Life insurance is a type of insurance contract which pays your dependants a fixed lump sum if you die during the term of the contract. The cost of a life insurance policy depends on many factors including how much cover you want, your age, gender, whether you smoke and overall health and lifestyle.

How to estimate your cover amount?

There are several factors to consider when deciding the appropriate amount of cover. A starting point is to add all your unpaid debts, immediate expenses, funeral cost and future spending you have planned such as your children’s education cost.

How to estimate your cover amount?

Get the right life covered for you and your family

Income/Mortgage Protection

Meeting your mortgage payments and protecting your income is extremely important. Will you be able to manage if you are off sick or lose your job? How will you manage your daily expenses and your loan payments? You don’t want to lose your sleep over this worry. Get protected by getting income/mortgage protection.

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Trauma Insurance

Trauma insurance cover or critical illness insurance provides a lump sum of money to cover immediate medical expenses and other financial needs when a critical illness or injury occurs. Trauma cover pays an agreed amount to cover you for many different issues such as heart attacks or intensive care.

Trauma insurance gives you the financial freedom to make your own choices at the time when you health is seriously affected. Trauma provides you with a lump sum payment that leaves the choice in your hands – you may want to pay off the mortgage, fly to Disneyland or just spend time with your family without having to worry about where the money will come from.

Cover when you need it most

Total Permanent Disability

Total Permanent Disability cover protect you in an event when you have to stop working permanent due to illness or injury. Financially, this could be the worst thing that could happen to you and your family. The impact of losing your income have a massive emotional and financial impact. Total Permanent disability covers accidental, illness, injury or even mental illness when you are unable to work for the rest of your life.

Less risk, more cover