Life insurance


 “Insurance is choosing the risks you are willing to take. “

Types of Life insurance

Life Insurance

Life Insurance provides a lump sum payment to your loved ones in the event of your death, or if you are diagnosed with a terminal illness and can help ensure their financial security.
It can help your family maintain their lifestyle such as providing for your children’s education, retaining the family home and reducing the financial stresses.

Income Protection

Income Protection can provide up to 75% of your monthly income for a nominated period of time if you are temporarily unable to work due to an illness or injury that has left you Totally Disabled or Partially Disabled.
Income Protection helps to take the financial pressure off and allows you to concentrate on recovery.

Trauma Insurance

Trauma/Critical Illness Insurance provides a lump sum payment if you become critically ill or injured and require extensive medical treatment.
It can provide you with the financial support to help access the best medical treatment available, pay for your rehabilitation and concentrate on your recovery.

Total Permanent Disability

Total Permanent Disability (TPD) insurance provides you with a lump sum payment if you were to become permanently disabled due to accident or illness and are unable to work.
The lump sum payment can provide you with financial security so you can access the best medical and rehabilitation treatments to help make the most of your life.

Business Expense Insurance

Business Expenses insurance is a financial back up plan for your business. It acts as an income protection for your business which is designed to cover your business’s fixed daily costs such as Office Rent, Salaries for staff, Utility Bills, Insurance & Security costs, Leases on cars, equipment & machinery etc.

For peace of mind for those who matter the most, contact our team of understanding and supportive advisers today

My High Risk Hobby

Do you engage in a high risk hobby such as dirt bike riding, horse riding or scuba diving?

High risk hobby’s that put your life at risk are an immediate red flag to insurance companies, however these are the times that we rely on our insurance protection the most. To ensure you won’t be penalised with high insurance fees simply due to the love of your pastime – let a UGBS broker source the right coverage for you, at the best price.

Contact us today to find out how:


2/308 Kororoit Creek Road, Williamstown North, VIC 3016

Suite 17, 12-20 Toogood Rd, Woree, QLD 4868


PO Box 6474,
Point Cook, VIC 3030

“Unique Group Broker Services Pty Ltd (UGBS) holds an Australian Financial Services Licence (AFSL – 509434)”
UGBS provides General Advice only as it does not take into account any of your financial situation, objectives or needs.