If your income stopped tomorrow, how long would you last?
Work out how much cover your household actually needs, compare premiums and features from the leading insurers, then apply to the one you choose.
Most households do not have enough money set aside to survive a death, a serious disability or a critical illness. If one of those happens, the shortfall does not arrive slowly — it arrives as severe financial hardship, on top of everything else the family is dealing with.
How we can helpInsurance & risk, in practice.
You may already have an amount of cover in mind. If not, we have a calculator to help you work it out. Select the policy terms and features you like, with an explanation of what each one means. You can then compare the premiums from the leading insurers and select the policy that meets your requirements. We can then assist with the insurance application. And if you feel it's too complicated, you have the option of getting advice from a qualified financial adviser.
What you'll get- A calculator to work out how much cover you need, if you do not already have a figure in mind
- Policy terms and features explained in plain English as you select them
- Premiums from the leading insurers compared side by side on the cover you have chosen
- Help with the insurance application once you have chosen — or personal advice from a qualified adviser if you would rather not decide alone
We use the leading insurers.
The same cover is quoted with each of them, so you can weigh premium against policy features and choose the one you want to apply to.
Insurer names and marks are the property of their respective owners and are shown to indicate the panel we can quote from. Availability of any particular insurer or product depends on your occupation, health and residency.
Learn more before you start.
Guides, articles and tools on insurance & risk — free to read, no account needed. Work through them at your own pace, or skip straight to the action below.
Personal risk management
How likely these events are, what they cost, and the four types of cover — with the key terms to check in each policy.
Read the guideIt could happen to anyone
One case study, then the numbers: how likely a serious accident, illness or disability actually is, and what your earning capacity is worth.
Read the guideWhat's your financial exposure?
A step-by-step calculation: what you would need, what you could access, and the shortfall between them.
Read the guideHow to lodge an insurance claim in 3 steps
Three steps to lodging a claim, followed through one case — and what to do if the claim is knocked back.
Read the guideOnce you've chosen, we take it from there.
Applying for cover is more involved than getting a quote, and it is the part most people give up on. Our team runs it for you: we prepare official quotes from your selected insurer, complete and lodge the application, manage the underwriting process, arrange any medicals or tests the insurer asks for, chase your doctor for reports, and keep you posted until the policy is issued.
We produce formal quotes from your selected insurer on the exact cover, terms and features you chose.
We prepare the application and the insurer's forms, walk you through the health and occupation questions, and lodge it.
We arrange any medicals, blood tests or reports from your doctor the insurer requires, and answer their queries on your behalf.
We explain any loadings or exclusions the insurer applies before you accept, then confirm the policy is in force.
Quotes are indicative only and general in nature. Final premiums depend on the insurer's assessment of your health, occupation and pastimes.
Other ways we help
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A financial wellbeing platform designed to help you understand your full financial picture. Built in Australia, for everyday Australians.
Evolucian Pty Ltd trading as "Transfigr" (Corporate Authorised Representative No. 1307597) is authorised under Financial Mandate Pty Ltd ABN 75 686 236 180 (the Licensee), the holder of Australian Financial Services Licence No. 700151.