Retail Insurance Claims Support
If you hold insurance outside of superannuation — purchased directly from an insurer or through a financial adviser — we help you lodge and manage your claim for the best possible outcome.
98.4% success rate
500+ clients assisted
$100M+ recovered
Who Is Eligible ?
What is Retail Insurance?
Retail insurance refers to life, TPD, income protection, or trauma cover purchased directly from an insurer — either through a financial adviser or independently — rather than through your superannuation fund. Retail policies often offer broader definitions, higher sums insured, and more flexible terms compared to default super cover.
The 3 Stages of Approval
Policy Review & Evidence Preparation
We analyse your retail policy terms, identify the specific evidence requirements, and coordinate with your medical team.
Claim Submission & Insurer Management
We lodge your claim directly with the insurer and manage all ongoing communications, requests, and negotiations.
Benefit Payment
Once approved, your benefit is paid. We ensure the process is completed efficiently and escalate delays where necessary.
Why Retail Claims Need Expert Management
Retail insurers apply detailed policy definitions and often request extensive evidence before approving claims. The difference between a successful claim and a denied one frequently comes down to how evidence is structured and presented. We understand the specific requirements of major Australian retail insurers and prepare your claim accordingly — maximising your chances of a timely, fair outcome.
Q. What types of retail insurance can you help with?
We assist with retail TPD, income protection, trauma/critical illness, life insurance, and terminal illness claims — regardless of which insurer issued the policy.
Q. Is retail insurance different from super insurance?
Yes. Retail policies are individually underwritten and typically offer broader cover and higher benefits. However, they also have stricter evidence requirements. We help you navigate both.
Q. Can I claim on both my retail and super policies?
Yes. If you hold cover in both, you may be entitled to claim from each policy independently. We assess your full insurance position to maximise your entitlements.