Melbourne-based, Australia-wide
Life insurance broker in Melbourne
A Melbourne-based life insurance broker who compares the market for you, explains it in plain English, and helps at claim time. No separate advice fee.
Independent advice. The whole market compared. No separate advice fee.
A broker who works for you, not an insurer.
Based in Melbourne, we compare the market, explain it plainly, and are there at claim time. Locally and Australia-wide.
A Melbourne broker
Independent advice, not one insurer’s products
Safety Nest is a Melbourne-based life insurance broker. We help people arrange life, income protection, TPD and trauma cover that fits their situation, comparing across insurers rather than selling one company's products. We are based locally and advise clients across Melbourne and Australia-wide.
What a broker does
Someone on your side of the table
A life insurance broker is a licensed adviser who works for you, not for an insurer. We compare cover across the market, match it to your situation, and handle the parts that are easy to get wrong: how much cover you need, the definitions that decide whether a claim pays, and whether cover is best held inside or outside super. When something goes wrong down the track, we help at claim time.
The cover we advise on
- Life (death) coverA lump sum to clear debts and provide for your family.
- Income protectionReplaces up to about 70% of your income if illness or injury stops you working.
- TPDA lump sum if you are totally and permanently disabled and can no longer work.
- Trauma coverA lump sum on a defined serious diagnosis, for out-of-pocket costs and time off.
Broker versus buying direct
Why use a broker instead of going direct
Buying direct gives you one insurer's products and no independent advice. A comparison site lists options but does not advise on which suits you. A broker sits between the two, and because life insurers build a commission into the premium, our advice does not carry a separate fee for you.
Safety Nest (broker)
Independent, market-wide
- Who they work for
- You
- Range of cover
- Compared across insurers
- Advice on definitions
- Included
- Help at claim time
- Yes, we help
Buying direct
One insurer, no advice
- Who they work for
- The insurer
- Range of cover
- One company's products
- Advice on definitions
- Not provided
- Help at claim time
- On your own
Where we work
Servicing Melbourne and across Australia
We are based in Melbourne and meet clients locally, and because advice is done by phone and video as easily as in person, we also work with clients across Australia. Wherever you are, the process is the same: understand your situation, compare the market, and set up cover that fits.
Find us
Our Melbourne office
Safety Nest3/19 William St
Balaclava VIC 3183
How it works
Four steps, no pressure
A conversation
We understand your situation, your commitments and what you want cover to do.
Compare the market
We compare cover and definitions across insurers, not one company.
A clear recommendation
We explain what suits you and why, in plain English.
Set up and support
We help with the application and are there at claim time.
FAQs
Frequently asked questions
How much does a life insurance broker cost in Melbourne?
Life insurers pay brokers a commission that is already built into the premium, so our advice does not carry a separate fee for you. You would generally pay a similar premium buying direct, without the independent advice.
Do I have to be in Melbourne to work with Safety Nest?
No. We are Melbourne-based and meet clients locally, but we also advise clients across Australia by phone and video. The process is the same wherever you are.
What is the difference between a broker and buying direct?
Buying direct gives you one insurer's products and no independent advice. A broker compares cover across the market, advises on which suits your situation, and helps at claim time.
What cover can a life insurance broker help with?
Life, income protection, TPD and trauma cover, including how they fit together and whether cover is best held inside or outside super.
Melbourne-based, Australia-wide
Talk to a Melbourne life insurance broker
A no-obligation chat with an adviser who compares the market, explains it in plain English, and helps at claim time. No separate advice fee for our advice.