Specialist life insurance advice. The safety net under everything you’ve built.
Life insurance advice from a real specialist, not an online form, a call centre or an algorithm.
One adviser learns your situation, compares a panel of major Australian insurers, and stays on it through underwriting and every claim. When something goes wrong, you call a person who already knows your story, not a queue that asks for your policy number.
No-obligation. We are usually paid by commission from the insurer, already built into the premium. If a fee applies, we tell you up front.
We advise across major Australian insurers
What clients say
Real clients on what it was like to work with us.
Absolutely fantastic service that I cannot recommend highly enough. Amazing communication throughout the process of saving me thousands in premiums while significantly increasing cover for my whole family. All for nil out of pocket fee. It seems almost too good to be true. But it is very much true and one of the very best services I've ever used. You won't be disappointed. (Individual results vary; not a typical or expected outcome.)
Finding a trustworthy insurance provider was important to me, and Safety Nest did not disappoint. They were clear, honest, and took the time to understand what I was looking for. I appreciated that they didn't try to upsell me, but rather focused on what would actually benefit my family. Highly recommended!
The honest comparison
Direct, super, or a specialist adviser
| Going direct / online | Cover in super | Specialist adviser | |
|---|---|---|---|
| The advice you get | General advice only, issued without a check that the cover suits your circumstances. | No personal advice. A default amount that may not reflect your income, debts or dependants. | Personal advice built around your health, income and family. |
| Who compares the market | Not compared for you; you pick the insurer and amounts yourself. | Not compared; one group policy chosen by the fund. | We compare a panel of major Australian insurers for you. |
| Getting accepted | You apply and take whatever terms come back. | Automatic, but on limited group terms. | We can test insurers quietly first, before you commit. |
| If you ever claim | You deal with the insurer on your own. | You go through the fund, which can be slower and harder. | We complete the forms and advocate for you until it is paid. |
| As life changes | Typically not reviewed as your circumstances change. | Typically not reviewed as your circumstances change. | Reviewed each year as your life changes. |
| What it costs you | The premium, sometimes plus a fee. | Premiums come out of your super balance, shrinking retirement savings. | Commission inside the premium, any fee agreed up front. |
The honest comparison
Why use a specialist life insurance adviser?
There are three ways Australians get life insurance: buying direct online, the default cover inside super, or through a specialist adviser. Keep scrolling to see how they compare, question by question.
The advice you get
Going direct
General advice only, issued without a check that the cover suits your circumstances.
Cover in super
No personal advice. A default amount that may not reflect your income, debts or dependants.
With Safety Nest
Personal advice built around your health, income and family.
Who compares the market
Going direct
Not compared for you; you pick the insurer and amounts yourself.
Cover in super
Not compared; one group policy chosen by the fund.
With Safety Nest
We compare a panel of major Australian insurers for you.
Getting accepted
Going direct
You apply and take whatever terms come back.
Cover in super
Automatic, but on limited group terms.
With Safety Nest
We can test insurers quietly first, before you commit.
If you ever claim
Going direct
You deal with the insurer on your own.
Cover in super
You go through the fund, which can be slower and harder.
With Safety Nest
We complete the forms and advocate for you until it is paid.
As life changes
Going direct
Typically not reviewed as your circumstances change.
Cover in super
Typically not reviewed as your circumstances change.
With Safety Nest
Reviewed each year as your life changes.
What it costs you
Going direct
The premium, sometimes plus a fee.
Cover in super
Premiums come out of your super balance, shrinking retirement savings.
With Safety Nest
Commission inside the premium, any fee agreed up front.
General information only. It compares typical features and does not take your personal circumstances into account. Individual situations vary, and default cover in super suits some people. A review can confirm what is right for you.
How we get paid
No catch, no separate advice fee
This is the question we are asked most, so we answer it plainly. We are paid a commission by the insurer, and it is already inside the premium you would pay anyway. Your advice, application help, claims support and yearly reviews are all part of it, and covered by that commission.
Commission is capped and regulated, so we are generally not paid more for recommending one insurer over another. In the rare case a fee applies, we tell you up front and set it out in writing before you commit. No surprises.
What you pay
The commission is already inside your premium
Paid by the insurer, included in the price. Your advice, application help, claims support and reviews are part of it.
Cover that fits your life
Comprehensive insurance solutions for your peace of mind
Personal risk cover, advised and tailored to your situation. We help you arrange suitable protection across every stage of life, and review it as your needs change.
How it works
How to get started with Safety Nest
Follow these simple steps to book a consultation call and get started with protecting your future. Our advisers will guide you through the process and ensure you have the coverage you need.
No Obligation Online Consultation
Schedule a consultation call with one of our experienced insurance advisers over Zoom or Google Meet.
Personalised Recommendations
Based on your unique needs, we'll provide personalised insurance recommendations.
Application & Underwriting
Our team will assist you with identifying an appropriate insurance solution and handle the application process and guide you through underwriting.
For your profession
Cover that understands how you actually work
The right definitions, the right income protection, the right application. What matters is not the same for a surgeon, a barrister, a chippie or a FIFO worker. Whatever you do, we quote cover matched to how your work pays and what puts it at risk. The ones below are just a few examples.
Real stories, real protection
Families and business owners who sleep easier
The smooth, personalised support from the Safety Nest team made the entire process easy. They carefully considered our unique situation and ensured we had a plan that made us feel secure about protecting our family’s future. We now have full confidence that we’re prepared for whatever comes next.
Before switching to Safety Nest, we rarely heard from our previous advisor and didn’t realise how much I was overpaying. The team at Safety Nest took the time to thoroughly review our situation, and I found out we could save thousands of dollars a year. Their personalised approach and regular check-ins gave us peace of mind, knowing our family’s future is now secure and well-managed. (Individual results vary; not a typical or expected outcome.)
Client stories are individual experiences and are not a typical or expected outcome. General information only, not personal advice.
FAQs
Find answers to common questions
Everything you need to know about consultations, policies and how our advice works.
Still have questions?
Contact usWhat types of personal insurance does Safety Nest offer?
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How much does risk insurance cost?
How much does Safety Nest charge?
Protect your future
Protect your family's financial future
Talk to our advisers about your insurance options. We offer flexible times, so book your no-obligation online consultation today and start planning for tomorrow.