What we do.
Life insurance found for you.
Everyone has a life insurance perfect match.
Complete coverage to protect what matters.
Our life insurance advice includes a thorough review of your financial, health and lifestyle circumstances. If we know how you live now and what you want from the future, we can recommend insurance cover that will deliver on those dreams no matter what.
The 4 main life insurance options can stand alone or be combined if more comprehensive cover fits your specific needs.
Types of life insurance.
Income protection cover
This insurance protects one of your biggest assets – your income. If you’re unable to work due to illness or injury, you’ll still receive a regular income to meet your financial commitments and living expenses.
Monthly payment (around 60-75% of your income)
Waiting periods apply
Paid until you return to work or for agreed timeframe (2 years, 5 years or til age 65)
Death cover
Death cover provides financial support to your family or dependents in the event of death or diagnosis of a terminal illness. The payment helps your family repay debts, cover funeral expenses and replace lost income.
Lump sum payment
Paid out directly to the person/people you care most about
Total and permanent disablement (TPD) cover
If you become totally and permanently disabled and can’t work, TPD cover helps you pay off debts and medical expenses, make modifications to your home, and replace lost income.
Lump sum payment
Definition of TPD varies between insurers
Policy may stipulate own occupation or any occupation
Trauma cover
Trauma insurance is paid if you get a diagnosis of a serious illness like cancer, heart attack or stroke. Put the focus on recovery and getting well – an immediate payment helps meet your financial commitments and medical costs.
Type of illness or injury determined by insurer
Mental health conditions aren’t covered
“Easy, precise and clear communication from Phil and the team make this an easy process to be apart of, makes me wonder why I didn't do it earlier 😁”
– Jade
How we recommend the personal insurance that fits you.
Life insurance is known for being complex. Making sense of stepped or level premiums, policy conditions, definitions, waiting periods and exclusions is… tough.
The language and jargon of the insurance sector have created barriers for young Australians for too long. Skye believes everyone has the right to understand and find the right life insurance cover.
We check the small print, weigh up the options and help you decide how much money you would need to keep up financial commitments, pay medical costs, and maintain your lifestyle.
We give you our recommendations in a simple, clear and easy-to-understand way. There’s no wasted premiums for a policy you don’t know is a dud until it comes to the crunch. You need to know for sure the cover you choose will deliver the right amount of financial relief if something goes wrong.
Save time and money with our low-cost tailored advice – and enjoy that insurance sorted feeling.
