Life Insurance Advice for Self-Employed Australians
Self-employed Australians don’t have access to the same employer-funded insurance benefits as employees. This makes it crucial to secure personal coverage that protects your income, business, and family.
Tailored advice helps you:
- Choose the right level of life insurance cover to protect your family’s future
- Understand income protection options and how they work alongside workers compensation
- Decide between stepped or level premiums based on your cash flow
Buy/Sell Agreement Insurance Brokers in Australia
For those in partnerships or joint ventures, buy/sell agreement insurance is essential. It ensures that, in the event of your death, disability, or critical illness, your business partner can buy out your share—without needing to sell business assets or borrow funds.
As experienced buy/sell agreement insurance brokers in Australia, Surety Life:
- Works alongside your legal and accounting team to structure the agreement
- Ensures the policy ownership aligns with tax and legal advice
- Provides guidance on valuation and funding strategies
Best TPD Insurance for Small Business Owners
Total and permanent disability (TPD) insurance is often overlooked, yet it’s one of the most important types of cover for small business owners. If an illness or injury permanently prevents you from working, TPD provides a lump sum to ease financial pressure.
At Surety Life, we help small business owners choose the best TPD insurance by assessing:
- Whether an “own occupation” or “any occupation” definition suits your situation
- The impact of business debt and ongoing expenses
- How to integrate TPD with other covers like trauma or life insurance
Why Use an Insurance Broker vs Going Direct?
Life insurance is not a one-size-fits-all product. Many Australians make the mistake of buying policies online without fully understanding exclusions, definitions, or how the policy fits into their broader financial plan.
Here’s why it pays to work with a broker:
- Unbiased advice across multiple insurers, not just one product range
- Policy customisation based on your occupation, income, and business structure
- Support at claim time—we advocate on your behalf and help with paperwork
At Surety Life, our mission is to ensure you’re properly protected—not underinsured or overpaying for cover that doesn’t suit your needs.
Need Personalised Advice?
Whether you’re a self-employed tradie, a consultant, or running a growing business, the right life insurance advice can protect everything you’ve built.
Contact Surety Life today to arrange a complimentary review and see how we can support your insurance strategy.