If you are looking to contact us regarding either your indemnity or travel policies, we are currently experiencing higher than expected enquiry volumes resulting in long wait times. You can access further information about these policies, including alternative contact options, via the member portal. We apologise for the inconvenience this may cause.

Exclusive Life Insurance offer

Apply for cover by 31 December 2024, and if accepted, receive a $500 eGift Card*

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Avant Life Insurance

Empowering doctors to face the future with confidence

Life insurance can be complex to navigate.

For a doctor, it's especially important a life insurance policy is up to the task, as the impact of injury, illness or death could extend to loved ones, patients, colleagues, and practice partners.

We can assist you with arranging:

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.

Without the right support, finding the right income protection or life insurances can be time consuming, confusing and challenging. To make life easier, we've done the hard work for you by assessing leading life insurance providers and have developed a shortlist of leading providers whose life policies features and benefits we believe doctors will value.

The Avant Life Insurance Selection Tool (The LIST) puts a curated list of life insurance providers at your fingertips.

Dedicated support to help you find high quality life insurance

  1. Compare. Enter your cover preferences in the Doctors' LIST to get an instant shortlist of leading life insurance policies that may be available for you.
  2. Select. Having compared products, select the one that's right for you and your
  3. Apply. It's fast and easy to apply over the phone - we'll take care of the rest.

If you have any questions throughout your search, our team of life insurance consultants are ready to provide assistance.

Compare, select, apply with Avant Life Insurance.

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Providers included in the Avant Life Insurance Selection Tool were selected based on their:

Pricing

Competitive pricing, including any premium discounts that are available, were taken into account within our selection criteria.

Own-occupation TPD definition

Our shortlisted insurance providers offer own-occupation definitions for their total and permanent disability cover. This allows for policy holders to only need to meet the absence for their own occupation during qualifying/waiting periods.

Needlestick cover

We looked for life insurance products that must provide for benefits for occupationally acquired HIV, Hepatitis B and C, that are in excess of total and permanent disability cover.

Future needs guarantee

We looked for life insurance products that have the ability to increase levels of cover under future need guarantee style options without policy holders having to undergo additional medical underwriting.

Want to get in touch?

Schedule an appointment with a life insurance consultant today. You can also contact us at 1800 128 268 or email avantlife@avant.org.au

Schedule an appointment

Disclaimers

The Doctor’s Life Insurance Selection Tool (LIST) is provided by Doctors Financial Services Pty Ltd ABN 56 610 510 328 AFSL 487758 trading as Avant Life Insurance (‘DFS’). 

IMPORTANT: The information provided on this website 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 this advice as well as the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision to acquire a financial product. 

The life insurance products presented on the LIST should not be regarded as representative of all life insurance products that may be available to you. The selection is for illustration purposes only and should not be regarded as an endorsement or recommendation by Doctors Financial Services to take out any of the life insurance policies presented. The LIST can be used to obtain an estimate of premiums for the life insurance products compared. The provision of estimated premiums does not constitute an offer of insurance. DFS is not able to bind any insurer or ensure that any insurer sells any product to you. Accordingly, nothing on this website amounts to an offer by us or any insurer to sell any product to you or enter into any contract with you.

The LIST compares the prices and some of the features of the life insurance products. However, it does not compare all of the features or benefits of each product, nor the relevant policy coverage, which should be considered before making any decision. The PDS and Target Market Determination for each product are available by contacting us on 1800 128 268.

Campaign T&Cs:

*Terms and conditions: The promoter is Doctors Financial Services Pty Ltd ABN 56 610 510 328 AFS Licence Number 487758 (DFS) trading as Avant Life Insurance. This webpage and its contents do not constitute an offer of insurance or any financial product and any application for insurance is subject to the insurer’s acceptance. To be eligible for an eGift Card a customer must apply for any of the products listed on the ‘Avant Life Insurance’ Selection Tool (LIST) with an annual premium payable over $2,000 between 1 October and 31 December 2024 and be accepted for cover and have cover in force no later than 31 March 2025 (subject to acceptance by the chosen insurer on The LIST). One eGift card to the value of $500 will be issued per eligible life insured, following the policy being in-force for a minimum of 12 weeks. eGift Cards are not redeemable for cash. This promotion is not available with other offers and does not apply to plan upgrades. To the fullest extent permitted by law, Avant reserves the right to change or cancel this promotion at any time. To the extent not excluded by law, the promoter excludes all liability for loss or damage in relation to this promotion.

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NSW State Office AddressLevel 6, Darling Park 3, 201 Sussex Street, Sydney NSW 2000
Telephone 02 9260 9000 | Facsimile 02 9261 2921

Mailing addressPO Box 746 Queen Victoria Building NSW 1230

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In the spirit of reconciliation, Avant acknowledges the Traditional Custodians of Country throughout Australia, and their connections to land, sea and community. As a national organisation, we pay our respects to Elders past and present, of the lands on which we gather and work, and extend that respect to all Aboriginal and Torres Strait Islander peoples.

IMPORTANT: Professional indemnity insurance and the Practice Medical Indemnity Policy available from Avant Mutual Group Limited ABN 58 123 154 898 (Avant Mutual) are issued by Avant Insurance Limited, ABN 82 003 707 471, AFSL 238 765 (Avant). Avant Cyber Insurance cover is available to eligible Avant Practice Medical Indemnity Policy holders up to the cessation of their policy and is provided under a Group Policy between Liberty Mutual Insurance Company ABN 61 086 083 605 (Liberty) and Avant. Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, ABN 68 001 417 527, a member of the Avant Mutual Group. Avant arranges Avant Business Insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234 708 (Allianz) and may receive a commission on each policy arranged. Avant Travel Cover is available under a Group Policy between QBE Insurance (Australia) Limited, ABN 78 003 191 035, AFSL 239 545 (QBE) and Avant Mutual. Avant Travel Cover is underwritten by QBE and Avant may receive a benefit for arranging cover. Avant Finance is a registered business name of Avant Doctors’ Finance Pty Ltd (ACN 637 769 361) and licensed to Avant Doctors’ Finance Brokers Pty Ltd (ABN 75 640 406 784). Avant Doctors’ Finance Brokers Pty Ltd is a wholly owned subsidiary of Avant Doctors’ Finance Pty Ltd. Loan products may be provided by Avant Doctors’ Finance Pty Ltd or arranged by Avant Doctors’ Finance Brokers Pty Ltd. Credit services or assistance to which the National Credit Code applies are provided by Avant Doctors’ Finance Brokers Pty Ltd as authorised Credit Representative (Credit Representative Number 523242) for LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. Legal services are provided by Avant Law Pty Ltd ABN 63 136 429 153 (Avant Law). Liability limited by a scheme approved under Professional Standards Legislation. Legal practitioners employed by Avant Law are members of the scheme.


The information provided on this website 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 and Target Market Determination (TMD) which are available on this website or by contacting us on 1800 128 268. Information on this site does not constitute legal or professional advice, and is current as at the date of initial publication.


*Terms and conditions

1. The waiver of establishment fee and discounted rate is only available for eligible business equipment loans. The discounted rate applies for 6 months only and is applied as a 0.65% discount against the applicable variable rate for that loan type. The current rates after the discount is applied are 6.59% for cars and 6.89% for equipment. If the applicable variable rate changes during the 6 months, the reduction will be applied to the new rate for the relevant remaining period. After the 6-month discount period, the variable rate will be the rate determined in accordance with the loan agreement and notified by us.

2. The offer is only available if your loan application is approved between 1 November and 31 December 2024 and settled before 31 March 2025.

3. The establishment fee waiver only applies to the establishment fee for the eligible business equipment loan. All other fees and charges (including any other applicable upfront loan fees and charges) will still be payable. Our standard loan terms and conditions will also apply.

4. This offer is not available in conjunction with any other offer.

5. This offer may be varied or withdrawn at any time. Approval of any loan is subject to standard credit assessment and is at our complete discretion.