Personalised life, income protection, TPD and trauma advice for Australians. We compare multiple insurers, handle the paperwork, and stay with you to claim. Most clients save on premiums vs their super fund.
Your income is your single greatest financial asset. Income protection replaces up to 70% of your income if illness or injury stops you working, with some policies paying up to 90% in the first six months. That keeps your mortgage, lifestyle and family intact.
If you're permanently unable to work, TPD cover pays a lump sum. Clear debts, cover ongoing care, rebuild your financial foundation, without draining your super.
Death cover pays a tax-free lump sum to the people who depend on you. It clears your mortgage, funds your children's education, and gives your family time to grieve, not worry about money.
A cancer diagnosis, heart attack or stroke shouldn't also be a financial crisis. Trauma cover pays a lump sum on diagnosis so you can focus entirely on getting better.
Not sure which cover fits your situation?
Talk to an adviser →A once-off advice fee covers everything, from your first assessment through to your policy being placed. No ongoing charges. No surprises.
Fees may differ slightly based on your situation. All fees are once-off. There are no ongoing advice charges.
The fees above are what you pay Skye directly. Where you place cover through us, Skye also receives a commission from your insurer, fully disclosed in our Financial Services Guide and your Statement of Advice.
It's the default cover in your super, automatically applied when you joined.
A young family typically needs around $561,000 in life cover and $874,000 in TPD cover per parent.1 The average super default pays about $420,000 combined.2 A third of what you actually need.
That's where Skye comes in.
We audit every Skye client's existing cover before recommending change. Here's the average premium they would be paying through their super fund vs the retail policy we placed them with:
Real numbers from 850 Skye client policy reviews. We publish them because we'd rather you see the data than take our word for it.
A once-off fee, ranging from $330 to $770 depending on your situation. You'll know the exact number before any work begins, and there are no ongoing fees. Full pricing is in the section above.
No. We work with multiple insurers on Skye's Approved Product List and recommend the cover that fits your situation. Skye receives commissions from insurers, fully disclosed in our Financial Services Guide and your Statement of Advice. Our commission isn't adjusted based on which insurer you choose.
We can review what you have first. Plenty of clients keep their super cover after a review. Where we suggest a change, we set the new policy up before cancelling the old one so you're never uncovered.
It happens, and it's why we pre-assess with insurers before formally applying. Pre-assessment is anonymous, doesn't go on your record, and lets us shop your situation around to see who'll offer the best terms before any insurer makes a decision.
No. The first call is a conversation. We listen, ask questions, and figure out if we can help. If we can't, or if you already have the right cover, we'll tell you.
Typically 2 to 6 weeks from your first call to your policy being active, depending on the insurer and any underwriting needed.
As seen in
One short call. We'll work out what cover you actually need (and what you don't).
