If your income stopped tomorrow, how long could your mortgage and family remain financially protected?
The real question?
It’s not about dying. It’s about protecting the life your family depends on.
Life insurance can provide financial support to help your family manage the mortgage, living costs and other commitments if the unexpected happens
Consider Life Insurance if Any of These Apply to You:
The number that matters
If your income disappeared tomorrow, every expense would keep coming:
Family Income
$0
Mortgage repayment
$3,000
Living Expense
$2,000
Unexpected Medical Costs
$???
*Illustrative example only, not an assessment of your individual circumstances.
How long could your family keep up with the mortgage and everyday bills while also facing unexpected medical expenses?
Not all cover does the same job.
Here’s 4 main types of life insurance that can protect your family
Life Cover
Provides a lump sum payable to selected beneficiaries on the insured’s death or diagnosis of terminal illness.
TPD (total & permanent disability)
Provides a lump sum if the insured becomes totally and permanently disabled, with definitions varying between own‐occupation, any- occupation, and home duties/non‐working. Definitions and exclusions are set out in the PDS.
Trauma/critical illness cover
Provides a monthly benefit replacing a portion of pre‐ disability income where the insured is unable to work due to illness or injury beyond the waiting period, up to the end of the benefit period..
Income protection
Provides a lump sum on diagnosis of a specified condition listed in the PDS (for example, cancer, heart attack, stroke). Lists vary by insurer.
Note: Business Expense Cover: Provides a monthly benefit to cover specified fixed business expenses during a period of illness or injury for
an eligible self‐employed insured.
How Flatmart Life Insurance Can Help
01
Get in touch
Send an enquiry or message our team.
02
Understand your options
Receive general information about life insurance products and
their features.
03
Decide your next step
If you wish to proceed, we can assist with quotes and the
application process.
Don't leave this to guesswork. Get a free, no-obligation quote today.
Why Flatmart Life Insurance?
We’re a professional team with experience in the Australian life insurance market. Above all, we put our clients first -providing clear and practical information, with genuine care, respect and dedication in everything we do.
Meet our Life Insurance core team
RONALD TRAN
15+ years of experience
General Advisor
SARA PHAM
5 years of experience
Senior Life Insurance Consultant
EUNICE
3 year of experience
Senior Life Insurance Consultant
Who we place life cover with
More choice, trusted insurers
Flatmart works with a range of established life insurers in Australia, so you’re not limited to just one option. We can show available premiums, key features, and policy information side by side, helping you understand the differences and make your own choice with confidence.
What our clients say, in their own words
Minh Anh Nguyen
Flatmart team members, especially Martha and Sara, were amazing to work with! They made the insurance process smooth, stress-free and easy to understand. They were always available to answer questions and helped me understand the options available. Highly recommend their services
Elizabeth Nair
Ronald and his team are just great! You are in complete safe hands when they are helping you with your request. They go above and beyond and I can’t thank them enough for their help.
Jane Hacquoil
Definitely a 5 star rating. In my dealings with Ronald, he has proven himself to be very honest and professional. I would highly recommend him and his services to anyone.
Real Families. Real Payouts.
Because life doesn’t always go to plan. Here are some real stories of how life insurance has made a difference.
A brain tumour, a new mortgage, and a baby on the way
The Situation
Julianna, 20s, a young hairdresser, newly married, just bought a house, and was pregnant with her first child.
What Happened
A routine pregnancy check-up led to the discovery of a brain tumour, she had to stop working for surgery and treatment.
THE OUTCOME
Her income protection cover paid a regular income stream to relieve some of the financial pressure and enable to focus on her health and recovery. It also helped her to cover travel and accommodation costs to see her specialist in Brisbane.
“I never thought something like this would ever happen to me but it did and I’m so grateful I took out cover as a young woman. I’m still recovering and I still have to have regular check-ups but money is one less thing I have to worry about.”
— JULIANNA
See JULIANNA’s full story
A dementia diagnosis at 50, and a business to sell
The Situation
Hugh*, in his mid-50s, ran his own small business and was a devoted husband and father.
What Happened
He began moving more slowly and forgetting things, first put down to age, until months of tests confirmed Lewy Body Disease, a progressive condition affecting movement and memory.
THE OUTCOME
His trauma and TPD cover paid a lump sum, letting him stop work without worrying about bills or medical costs, and funding home modifications to support his changing needs.