Life Insurance — Guidance and Referral
Granite Belt Insurance Brokers is authorised for general insurance products only under our Authorised Representative arrangement with Community Broker Network Pty Ltd (AFSL 233750). We are not authorised to provide personal financial advice, recommend life insurance products, or quote for income protection, TPD, trauma or superannuation arrangements.
Need life insurance, income protection or financial planning advice?
These products require personal advice from a licensed financial adviser and are outside the scope of our general insurance licence. We refer clients to our trusted partners:
Gold Coast Financial Advisers — Licensed financial advisers · Authorised under Wealth Today
www.goldcoastfinancialadvisers.au · Ask us to make an introduction.
Personal risk insurance — the main product types
- Term life insurance — lump sum paid to your estate or nominated beneficiaries on death or terminal diagnosis
- Income protection insurance — monthly benefit (typically up to 70% of income) paid during a period of disability
- Trauma / critical illness — lump sum on diagnosis of a listed serious condition
- Total and permanent disability (TPD) — lump sum if you cannot return to work
- Superannuation life cover — life and TPD insurance held within a super fund
How personal risk insurance differs from general insurance
General insurance (what we arrange) covers assets, vehicles, liability, farm operations and business activities. It responds to external events — fire, theft, storm, accident, lawsuit. Personal risk insurance covers the financial impact on your family and income if something happens to you personally. The two categories have different regulatory frameworks, different advice processes, and require different licence authorities. Your financial adviser and your insurance broker serve complementary but different roles in your overall risk management.
General insurance we can help with
- Farm insurance for rural and agricultural operations
- Business insurance for commercial premises and activities
- Home and contents for residential properties
- Trades insurance for contractors and tradespeople
- Truck insurance for commercial vehicle operators
❓ Common questions about this cover
Here are some of the questions we are commonly asked when arranging life insurance for clients across the Granite Belt, New England and Northern Rivers.
- How much does life insurance cost? Premium depends on your specific situation — cover type, sum insured, activities, claims history and insurer selection all affect the price. We compare options and explain the differences.
- Do I need a broker or can I go direct? You can go direct to an insurer, but a broker compares multiple markets, structures cover to match your needs, and advocates for you at claim time. For complex or rural risks, broker access often finds options not available direct.
- What happens if I need to claim? Contact us immediately. We manage the notification process, help you document the loss, liaise with the insurer and their assessors, and advocate for a fair outcome.
- How do I know if I’m underinsured? Your sum insured should reflect the full cost of rebuilding or replacing at today’s prices. We can help you review your sums insured at renewal.
Talk to a local broker
Granite Belt Insurance Brokers has been arranging insurance across the Granite Belt, New England and Northern Rivers since 1999. We are based in Stanthorpe and understand the local conditions, local risks and local insurer appetite. To arrange or review your insurance, contact us without obligation.
- Call: 07 4681 1289 — Monday to Friday 8:30am to 5pm
- ✉️ Email: email hidden; JavaScript is required
- Request a quote or review: Contact Us
The referral process — how we connect you
When clients ask us about life insurance, income protection or superannuation, we do not simply turn them away. Our process is straightforward:
- Step 1 — You tell us what you are looking to achieve with your life or income protection cover
- Step 2 — We provide a warm introduction to Gold Coast Financial Advisers, our trusted referral partner
- Step 3 — Gold Coast Financial Advisers conducts a full needs analysis and provides you with personal financial advice
- Step 4 — We continue to look after your general insurance — farm, business, home, motor and everything else
The two teams can work alongside each other. Many clients have both general insurance and personal risk insurance needs, and having both relationships managed by specialists in each area provides the best outcome. Contact us to ask about any insurance need — if it falls outside our scope, we will connect you with the right person.
Phone: 07 4681 1289 · Email: email hidden; JavaScript is required · Contact Us
Why use Granite Belt Insurance Brokers
As an Authorised Representative of Community Broker Network Pty Ltd (CBN AFSL 233750) and a Steadfast Group member, Granite Belt Insurance Brokers has access to a broad panel of admitted insurers and products not available through direct channels. Our team holds formal qualifications including Diploma of Insurance Broking, QPIB and Senior Associate CIP (ANZIIF).
We act on your behalf — not the insurer’s — to help you understand your options, prepare information for underwriting, and support you through the claims process.
What to do next
If you would like to discuss your insurance requirements, contact us for a no-obligation conversation. We will help you understand what information is typically needed and what options may be available for your situation.
Call 07 4681 1289 · email hidden; JavaScript is required · Contact Us
All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal advice prior to acting on this information. Cover availability, terms, exclusions and premiums vary by insurer, product and individual circumstance.
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