Life insurance advice
Comprehensive advice from qualified life insurance advisers who can help you to develop a tailored life insurance plan that considers your individual situation, personal needs, financial goals - and that of your practice as well.
We offer protection for you, your family and practice owners
We provide tailored advice on the right type of cover and level of insurance for you, your family and your business, now and as your career progresses. This could include how you can protect your family should the unexpected happen, or how your practice would continue to function and pay its costs in the event of your, a business partner or key person’s death or incapacitation.
Whether you need help to understand the insurance options available or require a professional analysis of your situation and detailed personal advice, we can help.
We’ll work with you to:
- Protect your family’s financial future
- Align your life insurance with your long-term financial goals
- Assess your potential gaps in cover and provide expert guidance
- Create a tailored life insurance solution.
What we can help with
Life cover
In the event of death or terminal illness, life cover can provide a lump sum benefit.
Income protection
When illness or injury prevents you from working in your occupation or any occupation, income protection cover supports you by paying a monthly benefit.
Trauma cover
If you suffer from one of the listed major health events, trauma cover can provide you with the financial resources to make lifestyle or career adjustments to help you recover.
Total and permanent disablement cover
When an illness or injury permanently prevents you from working in your occupation or any occupation, TPD cover can provide a lump sum benefit.
Key person insurance
Key person insurance involves taking out life insurance covers with the business owning and paying for these policies to protect its financial position should something happen to a key person.
Buy-sell agreements
This agreement determines what happens to a business partner’s shares when they depart the business for specific reasons outlined in the agreement, such as retirement, death, or permanent disability.
Business expense cover
Business expense cover safeguards operational continuity if an owner becomes too sick or severely injured to work. It typically covers expenses for office rent, most loan payments and utility bills.
Our advisers
Alison Fischer
Authorised Representative Number: 000424116
Alison.fischer@avant.org.au
0427 216 085
Brendan Krone
Authorised Representative Number: 001003805
Brendan.krone@avant.org.au
0486 009 688
Why choose Avant?
Expert guidance
Benefit from the knowledge of a experienced life insurance adviser. Ensure that every aspect of your financial situation is considered.
Choice of insurers
Access a wide range of life insurance options from Australia’s leading insurers.
Personalised solutions
Receive a tailored life insurance plan that aligns to your specific needs.
Time-saving convenience
Enjoy a streamlined process and expert advice without the hassle.
Frequently asked questions
To provide advice that is in your best interests, our advisers need to understand your goals and objectives, financial situation and the insurances you currently have. We will complete a needs analysis and an analysis of your current financial situation before your first meeting, which will take about an hour. If you wish to proceed with the advice, it should take approximately six weeks to finalise.
Personalised life insurance advice is complimentary to Avant members, and includes a written Statement of Advice, with strategies and product recommendations tailored to meet your goals. For more information on our personal advice related fees, including non-members, please read our Financial Services Guide.
Our life insurance advice service is tailored for doctors but is available to everyone. Non-members get a complimentary initial meeting with a financial adviser. For more information on our personal advice related fees, including non-members, please read our Financial Services Guide.
Other options for life insurance
Avant Life Insurance Selection Tool
Sometimes you know exactly what you want from life insurance and don’t need advice, but you need help get the process underway as quickly and easily as possible.
Avant’s Life Insurance Selection Tool (The LIST) is designed for doctors to make it quick and easy to compare and select the right life insurance cover.
- Avant reviewed leading life insurance providers.
- We curated a list of life insurance providers whose features and benefits we believe doctors will value.
- Only those that met our strict criteria made our LIST.
All you need to do is follow these 4 easy steps
- Visit the The LIST Website
- Complete some personal information
- Compare to decide which cover is right for you
- Apply
Unsure how much cover you need?
Try the Life Insurance Needs Calculator
This calculator helps provide an estimate of what you may currently need for life insurance, critical illness, total and permanent disablement (TPD) and income protection.
Whether in search of information on life insurance to protect your family and yourself, or to protect your practice, Avant has created two tailored guides to assist you in making the right choice.
eBook: The Avant Guide to Life Insurance
To support you in your search for life insurance products, we are introducing the Avant Guide to Life Insurance.
In this eBook, you'll learn about the main life insurance products, cover definitions, different types of premiums, what to expect in the application process, frequently asked questions about life insurance and more.
eBook: The Avant Guide to Life Insurance for Business
Avant understands that doctors face many challenges when setting up their practice, from maintaining daily operations to ensuring long-term business continuity - and we want to help.
To support you in navigating the complexities of using life insurance policies to protect your practice, we are introducing the Avant Guide to Life Insurance for your Business
IMPORTANT: The Doctor’s Life Insurance Selection Tool (LIST) is provided by Doctors Financial Services Pty Ltd ABN 56 610 520 328 AFSL Number 487758 (‘DFS’). The information provided by DFS is general advice only and has been prepared without taking into account your objectives, financial situation and needs. You should consider these, having regard to the appropriateness of the advice before deciding to purchase or continue to hold these products. For full details including the terms, conditions, and exclusions that apply, please read and consider the relevant Product Disclosure Statement or policy wording, which are available by contacting Avant Life Insurance on 1800 128 268. See our Financial Services Guide for detailed information on how we provide our services.
