Does This Sound Familiar?

For many Australians, life insurance starts as an affordable safety net, but over time it can become a significant and confusing expense. You might be experiencing:

• Annual “Bill Shock”: You receive your renewal notice, and the price has jumped up… again.
• Uncertainty About Your Cover: You’re not even sure if the policy you bought years ago is still the right fit for your family’s current needs.
• The Feeling You’re Missing Out: You suspect there might be a better deal out there, but you don’t have the time or expertise to navigate the complex market yourself.

When was the last time your really looked at your life insurance?

A simple review can bring you significant peace of mind and potential savings.

Ready for Your Review?

We’ve made it simple to get started. Choose the option that works best for you.

Learn more about our insurance review process…

Option 1: Book a Chat (Recommended)

This is the fastest way to get answers. Schedule a quick, 15-minute introductory call with our team. We’ll listen to your goals and explain the review process.

Option 2: Email Your Policy

Not ready for a call? No problem.

For a confidential, no-obligation analysis, simply email your current policy statement to:
Email: hello@concordwealth.com.au
A member of our team will conduct an initial review and email you back with any immediate gaps or savings we find.

Why your policy’s premium might be increasing each year:

• “Stepped Premiums”: The Hidden Escalator. Most older policies, and many new ones, are structured with “stepped premiums.” This means your premium increases each year based on your age. While designed to be affordable when you’re younger, these increments become much larger as you get older, leading to significant price jumps.

• Insurers’ underlying Premium Rate Changes. Just like any business, insurance companies regularly review their premium rates for various products due to market conditions, claims experience, and regulatory changes. Your existing policy might be locked into an outdated rate structure that’s no longer competitive

• They’re Banking on “Doing Nothing.” Unfortunately, many insurers rely on customer inertia. They know most people don’t actively review or switch their insurance, even when premiums rise. By gradually increasing prices, they profit from those who simply renew without checking alternatives.

You shouldn’t have to just accept these increases. Our review helps uncover if you’re caught in these common traps.

A Simple Way to Find Clarity and Savings

Your circumstances change, and the insurance market changes too. A policy that was competitive a decade ago may now be outdated and overpriced.

Our no-obligation policy review is a straightforward process where we do the heavy lifting for you. We’ll analyse your current policy documents and compare your cover and premiums against the wider market to see if you can get better value.

Request Your No-Obligation Policy Review

There is no cost and absolutely no pressure to make any changes. Simply provide your details below, and we’ll begin the process of finding you better value.

Meet Your Advisor, Paul Harrison

With over 20 years of experience in the financial services industry, I am dedicated to helping families in Australia navigate the complexities of personal insurance. My mission is to provide clear, honest advice that ensures your family is protected without paying a dollar more than you need to.

Common Questions

• Is this a free review? Yes, our initial policy review is absolutely free and comes with no obligation. We provide general advice during this initial assessment, which means we look at your policy and the market and compare what you have with other policies, like an apples-with-apples comparison so you can see how the prices compare. This is helpful for understanding market competitiveness of your policy.

• Am I obligated to switch policies if you find a better option? Absolutely not. You are always in complete control. We simply provide the information and our professional recommendation; the final decision is always yours.

• How long does the review process take? Once we have your policy details, the analysis typically takes 2-3 business days.

• Is there a medical? In most cases, no. Insurers don’t like medicals as it costs them money.

• Can you look after my current policy? Yes, if you decide you do not want to change insurers we can can be your servicing adviser. This means we can handle all your policy administration (for free) and if you need to make a claim we can manage that too. Plus if you ever need advice or another review in the future we can handle that too.