Frequently Asked Questions

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Tony Insurance specialises in life insurance, and we can also help with health, business and general insurance, so you have one place to start.

We can assist with:

• Personal Insurance - Life, TPD, Trauma / Critical Illness, Income Protection, Child Trauma, Accident-only.
• Health Insurance - Singles, Couples, Families, SMEs, Corporates, Extras-only, Ambulance.
• Business Insurance - Public Liability, Cyber, Buy/Sell & Key Person, Commercial Property, Commercial Vehicle, Machinery Breakdown, and more.
• General Insurance - Marine, Motor Vehicle, Home & Contents, Landlord, Travel, Transport.

Insurance can feel complicated, but we make it simple & easy. Your Consultant will:

1. Listen to your request.
2. Explain different insurance options in plain English.
3. Provide you with factual information so you can make an informed choice.

If you require Personal Advice about which cover is suitable for your financial situation, we can connect you with one of our trusted Financial Advisers in our professional network.

Making a claim doesn’t have to be stressful. At Tony Insurance, we:

1. Assist you in preparing your claim with the right documents.
2. Liaise directly with the insurer on your behalf.
3. Provide regular updates so you know what’s happening.
4. Work hard to achieve the best possible outcome in a timely manner.

Our goal is to remove the complexity so you can focus on moving forward while we handle the paperwork and follow-up.

Yes - we specialise in cover that protects the people a business depends on, such as key person, buy/sell and business expenses cover, and we can also help with other business insurance, for businesses from sole traders to large corporations.

Some of the most popular business covers include:

• Public Liability Insurance
• Cyber Insurance
• Commercial Property & Vehicles
• Buy/Sell & Key Person Insurance
• Professional Risks & Specialist Cover

Our network of business insurance specialists makes sure your company has access to the protection it needs.

It’s easy:

1. Contact us via phone, email, or online.
2. Tell us what you’re looking for.
3. We’ll explain your options and guide you through the next steps.

From personal cover to complex business protection, we’re here to make insurance simple.

We do not charge fees. Instead, we’re paid a commission by insurers when you take out a policy. This means:

• You pay the same premium whether you go direct to the insurer or through us.
• There’s no additional cost to you for our support.
• You benefit from having a Consultant help you with applications and claims at no extra charge.

We provide General Advice only, meaning we:

• Give you factual information about how insurance products work.
• Help you compare and understand different options.
• Do not recommend a specific product as “suitable” or “best” for your personal situation.

If you require Personal Advice, we can refer you to one of our trusted Financial Advisers, who can assess your financial needs and recommend tailored solutions.

Great question! When you go direct to an insurer, you deal with them alone. With us, you get:

• Access to 10 Australian life insurers, not just one provider.
• A Consultant who explains everything in plain English.
• Help with claims - we work for you, not the insurer.
• No extra cost to you compared to going direct.

We’re here to simplify insurance and give you confidence that you’ve made the right choice.

Yes - certain types of cover (such as Life, TPD, and Income Protection insurance) can be funded via Superannuation. This may make premiums more manageable. Your Consultant will explain which options are available and how they work.

No - while we’re based in Melbourne, we help clients all across Australia. Our consultations are done by phone or video, making the process convenient no matter where you live.

That’s fine - many of our clients come to us with existing policies. We can:

• Review your current insurance for gaps or overlaps.
• Help you compare it with what’s available in the market.
• Support you with claims on your existing policy, even if you didn’t take it out through us.

Total and Permanent Disability (TPD) insurance pays a lump sum if illness or injury leaves you permanently unable to work, as defined in your policy. Definitions differ between insurers, for example 'own occupation' and 'any occupation', so the policy wording matters. TPD cover can often be held inside or outside super, although 'own occupation' definitions generally can't be held inside super.

Trauma (critical illness) insurance pays a one-off lump sum if you're diagnosed with a condition covered by your policy, such as certain cancers, a heart attack or a stroke, that meets the policy's definition. Income protection pays a monthly benefit that replaces part of your income while you can't work because of illness or injury, after a waiting period and for a set benefit period. They cover different things, and some people hold both.

Stepped premiums are recalculated each year based on your age, so they start lower and generally rise over time. Level premiums are based on your age when the cover starts, so they start higher but don't rise just because you get older. Both can still change, for example if the insurer reprices or you have inflation increases on your cover. Some level premium policies switch to stepped premiums at a set age, so check the policy terms.

Key person insurance protects a business against the financial impact of losing someone it relies on, such as an owner or a top performer, through death, TPD or trauma. The benefit is paid to the business to help with things like lost revenue, recruitment or repaying debt.

Buy/sell insurance funds an agreement between business owners. If an owner dies, becomes totally and permanently disabled or, depending on the agreement, suffers a serious illness, the insurance provides the money for that owner's share to be bought, so the remaining owners keep the business and the departing owner or their estate is paid. It works alongside a written buy/sell agreement, usually prepared by a lawyer.

Yes. Through our Referral Partner Program, mortgage brokers, accountants and financial professionals can refer clients for life insurance and track their progress through our Referral Partner Portal. Visit the Referral Partner Portal page to find out more.

If your question isn’t listed here, you can:

• Fill out our contact form below.
• 📞 Call us on 0433 22 77 11
• 📧 Email think@tonyinsurance.com.au
• Or book an appointment online at a time that suits you

We’ll be happy to provide a detailed response and help you with your insurance needs.