Life Insurance That Puts You First
Helping you protect what matters most with expert product advice and transparent guidance.
Insurance Made Simple
Life Insurance in 3 Easy Steps
Complete our simple questionaire
It only takes 5-10 minutes to provide basic information about your coverage needs and medical history. Prefer to talk? Book a call with one of our experts.
Receive Tailored
Quotes
We’ll present you with three carefully selected quotes from Australia's top insurers. We always go the extra mile to find the most cost effective policies that provide the most comprehensive cover.
Complete your
application
The final step is to choose your preferred insurer, and we’ll assist you in completing the application and guide you throughout the application process
We Partner with Australia's Top Insurers
The plan when things don't go to plan
Let’s Start Protecting Your Future. Ready to take the first step? Contact us today for a free consultation and discover how JMP Financial can make a difference in your insurance journey
96.9%
Percentage of Life Claims successfully paid by our insurers
99%
Percentage of quotes provided within 24 hours
10+
Years of Industry Experience
The JMP Financial Difference
Access to Australia's Top Insurers - without months of red tape
At JMP Financial, we bridge the gap created by the challenges in accessing life insurance. While traditional financial advice often involves months of waiting and complex processes, we operate under General Advice to make high-quality insurance policies accessible to everyone. Instead of prescribing how much cover you need, our questionaire assists you in determining the right amount for your circumstances. Then, we provide you with the top three options, enabling you to make an empowered decision. Our streamlined approach means 99% of the time, you’ll receive quotes within 24 hours—not weeks or months—while still accessing the best policies on the market.
The Collaborative Approach
At JMP Financial, our insurance specialists bring a wealth of experience as former financial planners who understand the value of holistic advice. While we no longer provide personal financial advice, our commitment to your success remains unwavering.
We’re here to help you live your best life by offering free educational resources and collaborating with your existing team of trusted professionals. Don’t have a team in place? No problem—we can connect you with our network of trusted business partners to ensure you receive the support you need.
Whatever your financial goals or challenges, we’re confident we can either provide the solution or guide you to someone who can. At JMP Financial, your financial well-being is our priority.
Perfect Policy for You
We offer the following policies from Australia's top insurers
Life Insurance
Life Insurance provides a lump sum benefit in the event of death of diagnosis of a terminal illness.
Total and Permenant Disablement (TPD)
TPD cover provides a lump sum in the event of a serious illness or injury that leaves your
permanently disabled
Income Protection
Income Protection can replace up to 70% of your salary if you are unable to work due to illness or injury.
Trauma / Critical Illness
Trauma / Critical Illness provides a lump-sum payment if you're diagnosed with a specified serious illness or injury.
What Our Clients say!
Read what our clients have to say
"I'm so grateful we put income protection in place all those years ago as I haven't been able to work for the past few months. It's taken so much pressure off"
Kate Baker
"Our current premiums were getting out of control so we reached out to Jason as we'd dealt with him previously. He had alternatives back to us within 2 hours, and we submitted the application the same day. It took 3 months to put our original policies in force!"
Mark Johnson
"I had to claim on my husbands life cover with Zurich as well as the life insurance in his super fund. We had the Zurich cover paid within a few weeks as Jason and his team stepped in and managed the claim process for us. It's been 4 months and my late husbands super fund still hasn't paid."
Emily Brown
"Having someone with industry experience saved us over $100k in tax! My wife just received a TPD payout in her super and we thought we just had to withdraw the funds so we reached out to JMP to start a claim. But rather than just process the claim, Jason organised for us to meet with a financial adviser he trusted to get advice and we were able to save over $100k in tax. "
Michael Wilson
FAQs
Find answers to commonly asked questions about life insurance and JMP Financial's services .
What types of cover do you offer?
Life Insurance: Pays a lump sum to your beneficiaries if you pass away, helping them cover living expenses, debts, and future financial needs.
Total and Permanent Disability (TPD) Insurance: Provides a lump sum if you're permanently unable to work due to illness or injury, supporting your ongoing care and lifestyle adjustments.
Income Protection Insurance: Replaces a percentage of your income if you're unable to work temporarily due to illness or injury, ensuring you can cover daily expenses and financial obligations.
Trauma Insurance: Offers a lump-sum payment if you're diagnosed with a serious medical condition, helping with treatment costs, recovery, and financial stability.
Who needs life insurance and how much do I need?
Almost everyone requires some form of life insurance, but everyones needs will differ. Our LIfe Insurance questionairre is designed to help guide you on how much cover is right for you. Just click any of the links on this page to find the cover that's right for you.
Can I get an instant quote?
The short answer is no. The only way to get an instant insurance quote is with a direct life insurer, but our experience and research has shown that these policies are full of loopholes and have the largest number of consumer complaints against them for not paying claims. Given the value of a claim can be millions of dollars we want to provide our clients with as much certainty as possible that they will get paid.
The reason we can't provide an instant quote and put a policy in-force immediately is because all the policies we write are based on your specific age, occupation and medical history and you need to go through full medical underwriting with the insurer of your choice.
While this process may seem slighlty inconvenient, it could literally make millions of dollars of difference at claim time. When you go through medical underwriting, the insurer is given the opportunity to review your personal and medical history. Once they have reviewed this and they offer you terms, they are then bound by this for as long as you maintain the cover, no matter what happens in your life after that. Direct life insurance on the other hand is underwritten at claim time, so once you've lodged a claim, the insurer will then start going through your medical history and looking for pre-existing conditions in order to not pay you.
We want to give our clients certainty that as long as they have been completely honest with the insurer, that their claims will be paid.
What is the process to get life insurance?
Our goal is to help you get insurance tailored to your needs as quickly as possible. The steps are:
1) Complete our Life Insurance questionaire. This takes 5-10 minutes and gives us all the information we need to get some premium estimates. You can either do this yourself, or you can book in a time with one of our insurance advisers to help guide you through this process.
2) Once you have completed the survey, we will begin researching the most appropriate cover for you and come back to you with quotes within 1 business day. This process may take longer if you have a complicated medical history, but in this case, we will reach out to you and keep you updated every step of the way.
3) We will provide you with up to 3 quotes from our panel of insurers and you can select the cover that is right for you.
4) We can either complete the application over the phone with you, or organise for the insurer to complete a tele-interview with you at your convenience. Depending on the level of cover being applied for and your medical history, the insurer may require you to complete some medical tests. These are paid for by the insurer so it's a great way to get a free medical checkup.
5) Once the insurer has all the information they need, they will then let us know the outcome which are:
- Standard Rates - you can get the level of cover you applied for at the quoted premium
- Loadings or Exclusions - the insurer may still offer to provide you with cover, but exclude particular conditions, or they may still offer you cover, but charge more due to the increased risk of a claim
- Decline Cover - if there are serious issues, then the insurer may decline to offer you cover.
Get a Free Quote Today
Protect your loved ones with affordable life insurance coverage.
Securing Your Future: Insights on Life Insurance
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JMP Financial provides reliable life insurance solutions to safeguard your loved ones' financial security. Learn more today.
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JMP Financial Pty Ltd | ABN 47 681 609 398
Jason Belcher is an Authorised Representative (465336) of HAE Financial Pty Ltd AFSL 501 891