Activate Your Cover
First time? We make choosing the right insurance simple and straightforward
Free wealth protection quote
Protect what matters most. Your health, your future, and the people you love. With insurance designed to give you peace of mind.
Expert help. No fees.
Get a Quote
We compare quotes from 9 leading insurers so you don’t have to
Your Roadmap For Whats Next
Discover what personal insurance is all about, why its important, how it works, and the simple steps to get set up
Your Seamless Path to Life Insurance
We make personal life insurance easy and stress-free, so you can focus on what truly matters
Optimize Your Cover
We can review and upgrade your current insurances to ensure they're adequate
Use Your Cover
We're here to support you every step of the way if you need to make a claim
Discover The Benefits of Partnering With Us
Your quick cost-effective path to reliable Personal Insurance
Being a client is at no cost to you
No hidden fees or charges - Insurance Companies compensate us for helping you find the right coverage
Personalize your protection
Get access to Top-Tier coverage from Australia's leading insurers, all designed to meet your needs
Access expert support
Trust our seasoned team, bringing over two decades of experience in the Insurance Industry
Quick and efficient
As a valued client, you will have direct access to Zac Sykes mobile and email
Your Protection, available exactly when it's needed
We offer all four types of personal insurance in Australia, designed to take care of your expenses, medical bills and time off when you need it most
Income Insurance
Get a monthly amount if you're too ill or injured to work. This can replace up to 70% of your income, so you can focus on your recovery
Life Insurance
Get a lump sum to support your loved ones if you pass away or become terminally ill, helping protect them even in the hardest of times
Disability Insurance
Get a lump sum if you're unable to work ever again. You could use these funds to pay bills, settle debts or modify your home for your future
Trauma Insurance
Get a lump sum if you develop a serious medical condition so you can cover the medical bills and spend treasured time with your loved ones
Where are you in Life's Journey?
Discover the right Insurance coverage tailored to your life's current stage
Beginning your Career Path
You have your whole life ahead of you. For most people, your income is your biggest asset. Stay covered to stay confident
Nurturing your Family
Your families wellbeing is your responsibility as the leading income earner of the family. Create a safety net with Insurance that can give you financial security
Building your Wealth
Growing your wealth involves not only seeking gains but also protecting your assets from losses - safeguarding the financial success you've worked hard to achieve
Establishing a Business
Starting and growing a business can be challenging. Get a head start with confidence, with your investments secure and your financial future protected
Four Simple Steps
We're here for you each step of the way
- Step One Complete Client Information Form
- Step Two Complete Risk Calculator
- Step Three Complete Pre-Assessment Form
- Step Four You will receive a call from Pivotal Insurance Group to apply the insurance
The People who make it Worth it
“I came in feeling overwhelmed, but the team explained my options in plain English. No pressure just helpful general guidance that made it easier to decide what to look into next.”
— Sarah M.
— Sarah M.
“They walked me through the differences between common types of cover and what features to pay attention to. I felt much more confident comparing policies afterward.”
— Daniel K.
— Daniel K.
“From our first call to the follow-up, everything was organised and easy. They helped me understand the typical steps and what information I'd need. Super reassuring.”
— Priya S.
— Priya S.
“We're new parents and wanted to understand what people usually consider when planning protection. The conversation was practical, respectful, and really helped us prioritise.”
— Michael T.
— Michael T.
“Any time I had a question, they got back to me quickly and explained things clearly. It felt like having someone in my corner while I learned the basics.”
— Emily R.
— Emily R.
“I appreciated how transparent they were about what they could and couldn't do. The general advice was genuinely useful, and I left with a clear idea of my next steps.”
— Jason L.
— Jason L.
Frequently Asked Questions
Do life insurance companies really pay out?
Let’s face it, no one wants to suddenly rely on financial support from their insurance policy. But if things don’t go to plan and you ever need to make a claim, rest assured that the odds are in your favour.
In 2022, 92% of insurance claims were paid out. Here's the breakdown for each type:
Life Insurance: 98.0%
Income Insurance: 95.2%
Disability Insurance: 86.8%
Trauma Insurance: 88.1%
And the good news doesn’t stop there. You're up to 23% more likely to be paid out for cover set up by an insurance specialist, compared to cover purchased directly from an insurer. This data is from research done by APRA, a government regulatory authority.
Is personal insurance affordable?
Yes, life insurance can vary based on individual factors, but can be made affordable through strategic quoting with comparisons. While the costs increase with age, it is generally cheaper to secure insurance younger, and can be managed by considering level vs stepped premiums and different policy options. Rest assured, Pivotal Insurance Group carries out regular Insurance reviews for all of our valued clients
What if I already have insurance?
Whether you've arranged it directly through a broker or through your superannuation fund, we're here to help. Schedule a non-obligation chat with us to explore options. If you wish to have Pivotal Insurance Group manage your current insurances, we'll make the transition smooth and hassle-free
What's the difference between general advice and personal advice?
General Advice is a recommendation or opinion about an Insurance Product that is not tailored to your personal circumstances. It is suited for clients to efficiently compare and understand financial products without the rigorous process for personal advice. As a business that changed from personal advice, 99% of all our clients love the new straight forward process. Personal advice is a recommendation or opinion about insurance products that is tailored to your personal circumstances. The process of personal advice is strenuous and expensive. The advisor is required: - understanding your current financial situation (fiancial need analysis) - setting financial goals and objectives - developing strategies - implementing your plan - monitoring And all these requirements fall under a statement of advice fee, and any future changes or recommendations to the policies once inforce will require this process again with another fee
How much cover do I need?
The amount of cover is based off the clients personal preference, however there are some things to consider: - Debt - Mortgage - Funeral Costs - Lump sum money for family - School fees - Medical costs - Replacement income To assist, we have a Risk Calculator. Follow the prompts and Pivotal Insurance Group will be notified
What if I already have a health condition?
No matter what you're facing, we're here to ensure you get the right coverage. To assist, we have a user friendly medical pre-assessment link. Follow the prompts and complete. We will recieve the results. This will assist us structure your quote in the best way possible
Which insurance policies are tax-deductible?
Your Income Insurance is tax-deductible if you don’t use your super to pay for it. If you pay for your Income Insurance, Life Insurance, or Disability Insurance through your super, you’ll instead get a 15% rebate on each policy. Life and Disability Insurance aren’t tax-deductible if you pay for them out-of-pocket, and neither is Trauma Insurance.