THE PROCESS

3 easy steps to protect what’s important

We’ll run you through the different types of insurance, search the market for your best options, then help apply for the ones you choose.

1

Learn

We'll teach you what you need to know about the different types of personal or business insurances. This way you can make informed decisions.

2

Choose

We'll take care of the hard work by getting quotes from over 90% of Australia's retail insurers. This just leaves you with the task of picking the best option.

3

Implement

We make it easy and hassle-free to implement your choice. We’ll ask you the questions the insurer needs to know and send in the paperwork for you.

HOW MUCH

How much life insurance do I need?

The amount of cover you need depends on things like family size, savings, debts, dependents, and lifestyle. It’s a balance of what you need, want, and your budget. It also changes as life does. ASIC has created a calculator where you can determine how much you need.

To determine the exact amount, consider other factors such as:

  • Outstanding debts (mortgages, loans)

  • Future expenses (education for children, living expenses)

  • Savings and investments

  • Your family's current and future financial needs

FULL COVER

Do I need all 4 types of insurance?

Do I need all 4 types of insurance?

Do I need all 4 types of insurance?

Each type of personal insurance covers a different area of your life. The insurances you need depends on which areas you can afford to and are willing to cover the costs of yourself.

Each type of personal insurance covers a different area of your life. The insurances you need depends on which areas you can afford to and are willing to cover the costs of yourself.

Each type of personal insurance covers a different area of your life. The insurances you need depends on which areas you can afford to and are willing to cover the costs of yourself.

FULL COVER

FULL COVER

Income Insurance

Could you afford to be off work for a month up to a few years because of illness or injury?

Disability Insurance

Could you afford to stop working in your ‘own’ or ‘any’ occupation due to becoming disabled?

Life Insurance

Would your loved ones be able to survive financially if you were to pass or get sick or injured?

Trauma Insurance

Would you need money for unexpected medical bills or time off work to recover?

WHEN

When should I get life insurance?

The amount of insurance people have is generally in line with their living expenses. The graph below shows an example of how a person’s living expenses usually changes over their lifetime compared to the price of life insurance.

PREVIOUS CLIENT PAYOUTS

Real life people, real life claims

Here are some claims we’ve personally helped get paid out.

Ready to set up your backup plan to protect what’s important?

The right amount of money to the right person at the right time

Equilibrium Financial Services Pty Ltd (ABN 68 010 964 646 / ARN 263544 / CAR No. 1285876) are Authorised Representatives of Sustainable Life Solutions Pty Ltd (ABN 66 655 297 886 / AFSL 536966) and can only give you general advice about Personal Insurance. That means we’ll teach you the information you need to know to enable you to make a good decision but can’t give you specific advice or recommendations. It also means that everything on our website is only general information and isn’t specific to you.


Each insurer we partner with has their own set of terms and conditions that apply to the insurances they offer, such as eligibility criteria, exclusions and limitations. Please have a look at the relevant insurer’s Product Disclosure Statement to see if their insurance products meet your needs.

© 2025

All rights reserved.

The right amount of money to the right person at the right time

Equilibrium Financial Services Pty Ltd (ABN 68 010 964 646 / ARN 263544 / CAR No. 1285876) are Authorised Representatives of Sustainable Life Solutions Pty Ltd (ABN 66 655 297 886 / AFSL 536966) and can only give you general advice about Personal Insurance. That means we’ll teach you the information you need to know to enable you to make a good decision but can’t give you specific advice or recommendations. It also means that everything on our website is only general information and isn’t specific to you.


Each insurer we partner with has their own set of terms and conditions that apply to the insurances they offer, such as eligibility criteria, exclusions and limitations. Please have a look at the relevant insurer’s Product Disclosure Statement to see if their insurance products meet your needs.

© 2025

All rights reserved.

The right amount of money to the right person at the right time

Equilibrium Financial Services Pty Ltd (ABN 68 010 964 646 / ARN 263544 / CAR No. 1285876) are Authorised Representatives of Sustainable Life Solutions Pty Ltd (ABN 66 655 297 886 / AFSL 536966) and can only give you general advice about Personal Insurance. That means we’ll teach you the information you need to know to enable you to make a good decision but can’t give you specific advice or recommendations. It also means that everything on our website is only general information and isn’t specific to you.


Each insurer we partner with has their own set of terms and conditions that apply to the insurances they offer, such as eligibility criteria, exclusions and limitations. Please have a look at the relevant insurer’s Product Disclosure Statement to see if their insurance products meet your needs.

© 2025

All rights reserved.