Compare Life Insurance and Income Protection With Confidence
One conversation. Multiple insurers compared. Life, income protection, TPD and trauma cover explained in plain English — by a specialist adviser with 20 years experience who works for you.
- Licensed Australian insurance adviser - we work for you, not the insurer.
- We know the policy traps and help you avoid cover that fails when it matters.
- Already have cover? Our premium review service can give you a second opinion.
- Compare major insurers in one place and understand the real differences.
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Established 2006. Thousands of policies reviewed, helping Australians choose with confidence.
Find My Best Cover
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Why Compare ?
Going direct vs. using an adviser
- The old way — going direct
- Buy direct from one insurer
- No clear quality or price comparison
- Hours on hold with call centres
- Policy traps hidden in the fine print
- No ongoing support or review service
- The better way — use an adviser
- Compare multiple insurers in one place
- See quality and pricing differences clearly
- Email or call us any time — fast responses
- We explain the traps and fine print for you
- Free ongoing review and support service
Why clients use Personal Insurance Australia
Free premium review
Already have cover? We can review your current premium and policy quality, then help you understand whether it is still competitive.
Fast quote turnaround
We can often provide a comprehensive email quote the same business day, written in plain English with direct support available by email or phone.
Personal service
Our advice is general in nature and product specific, but our service is personal. We give you the relevant information you need to make a decision.
Australia-wide support
From the Eastern States to WA, we operate until 6PM (WA time). We're also available on weekends — giving you the convenience and flexibility to chat when it suits you.
20+
9
1
Premium review — what we found for one client
Client Snapshot
Male
Age 53
Non-smoker
Existing Cover (Direct Insurer)
AAMI Life Insurance
$800,000 cover
$254.45 /month*
We ran the same cover terms across our panel of insurers.
Every option came back significantly cheaper.
Insurer
Monthly Premium*
Zurich
Wealth Protection
$95.77
OnePath
OneCare
$96.29
ClearView
ClearChoice
$100.33
Acenda
Insurance
$107.34
MetLife
Protect
$110.58
Switching to the best featured option (Zurich):
~$158.68
~$1,904
* Premiums shown include stamp duty. Every situation is different. Premiums depend on age, health, occupation and underwriting.
These are actual quotes from named insurers however they do not represent any recommendation — they are for illustrative purposes only.
Personal insurance covers we can help with
Life Insurance
Income Protection
Total Permanent Disability (TPD)
Trauma / Critical Illness Cover
Accident & Sickness Cover
Who benefits most from our service
Self-employed professionals, tradespeople and contractors: Often need income protection or accident and sickness cover quickly, and may need help understanding contract requirements and certificates of currency.
Salaried professionals and families: Often want new life, TPD or trauma cover, or want an existing policy reviewed for value and quality.
Existing policyholders: Many Australians, including retired and older clients, hold some form of life or personal insurance and are not getting the support they need. We help clients get personal service and clear information.
Why clients review their cover
Insurer pricing, underwriting appetite and policy competitiveness can change significantly over time. The policy that suited you years ago may no longer be the best value today.
A review can help identify whether your current insurer is still competitive on price, definitions and policy quality. We pride ourselves on giving our clients relevant information in plain English.
Our process is quick and easy
1. Tell us what you need
2. We review the market for you
3. We identify suitable options
4. You decide with clarity
About David Keenan
Experience, licensing and personal service
David Keenan is the principal adviser at Personal Insurance Australia. David holds a Bachelor of Commerce majoring in Finance and Economics and obtained his financial planning qualifications through the Master of Commerce (Financial Planning) program at The University of Western Sydney.
David has been a financial adviser and personal insurance specialist since 2004 and is devoted to providing Australians with easy access to competitive personal risk insurance products.
David’s ASIC authorised representative number is 298803. David is an authorised representative of Bluewater Financial Advisers Pty Ltd, AFSL No. 411846, issued by the Australian Securities and Investments Commission.
David’s other passion when he can get away from work is offshore fishing with his son Benjamin. They especially enjoy catch and release fishing, targeting pelagic and predatory fish using a range of lures and jigging techniques. They are regularly trying to beat each other’s personal best catches.
That same practical, patient and personal approach carries through to David’s work with clients. Insurance can be complex, but the advice process should feel clear, direct and easy to follow.
Trust, licensing and privacy
When dealing with personal insurance, always ensure the adviser is an authorised representative of an AFSL licensee and appears on ASIC’s professional registers. David’s ASIC authorised representative number is 298803.
Your personal information is handled in line with our privacy policy and regulatory requirements, as outlined in our Privacy Statement and Financial Services Guide.
Clients should always understand whether advice is general or personal in nature and what that means for their circumstances.
Complaints information
Who can you contact?
If you are not satisfied with our services, please contact your adviser first to see if it can be resolved.
You can also contact Bluewater Financial Advisers at the head office on 1300 799 101.
Written complaints can be sent to:
The Complaints Officer
GPO Box 4523
Sydney NSW 2000
Email: compliance@bluewaterfinancial.com.au
If your issue has not been resolved to your satisfaction after 30 days, you can lodge a complaint with the Australian Financial Complaints Authority. Bluewater’s AFCA membership number is 28547.
AFCA can be contacted on 1800 931 678, by email at info@afca.org.au, or via www.afca.org.au.
Frequently asked questions
Do you charge direct advice or comparison fees?
At Personal Insurance Australia, we do not charge clients direct fees for broker, insurance comparison or general advice services. We are paid via commission from the relevant insurance companies we place clients with, and this is not a direct cost to you. Our review service is also free of charge, so if you are an existing policyholder who wants to see whether your current premium is competitive, please feel free to email or call.
Can you review my existing life insurance or income protection policy?
Yes. We provide a 100% free review service to existing or new clients. Modern insurance companies can vary greatly in what premiums they charge individuals. So, it is essential that you shop around and compare. Differences of up to 80% can be commonplace. With life insurance, a particular insurer may simply not be competitive for your age bracket. With income protection, they may not like a specific occupation and may charge significantly higher premiums than a competitor for the same or similar cover. This is because all insurers have some level of reinsurance, which essentially means the insurer gets insurance on their potential risk. If those insurers are charging higher rates on your occupation, that will be reflected in your premium with the company you are insured with.
Another classic case is where you have been with a particular insurer for life or income protection cover for an extended period of time, often greater than 10 or 15 years. This can also result in higher premiums than you should be paying because you may be grouped in a particular risk pool of insurance customers from the period you first took out the cover with them. Over time, as others may have claimed, this can also indirectly affect your current premium as a result. That is why, when you are still a very healthy individual with no significant medical conditions or problems, it is very prudent to get an updated quote on what you are covered for.
Who needs income protection or accident and sickness cover?
Many of our clients are self-employed tradespeople or service industry workers operating under an ABN or Pty Ltd company. ABN holders may not be able to access workers compensation, so they often seek a policy to protect their income. Salaried professionals may also seek cover for peace of mind, particularly where sick leave is limited.
My contractor is asking for personal accident cover and public liability. Can you help?
This is a common scenario. We can help with the right personal cover and, in many cases, arrange certificates of currency quickly. We do not provide public liability directly, but we can guide clients towards competitive options where appropriate.
What is the difference between accident and sickness cover and income protection?
Accident and sickness insurance and income protection insurance often serve a similar purpose, but policy quality, underwriting, definitions, benefit periods and exclusions can differ. It is important to compare the detail, not just the premium or the name of the product.
Can you help with certificates of currency for contractors?
Yes. The special needs of contractors can often be better addressed by an adviser. We can liaise with contractors and provide certificates of currency quickly in many cases. You can also call or email us directly for policy maintenance and administrative updates.
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