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    Life Insurance

    Life Insurance can be a godsend for families and businesses of the deceased in the event of death. If you want to leave a lasting legacy to your family you should consider a Life Insurance policy to assure they are taken care of financially if you die unexpectedly.

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  • As your Insurance Adviser of choice, we have a number of options available to help protect you, your family and your livelihood.

    You can’t plan for the future in the future, you must plan for it today.

  • Who Should Consider a Life Insurance Premium?

    A Life Insurance lump sum payment is generally not tax deductible. It is payable to your beneficiaries, or your estate. The money that is paid can be used for any purpose the beneficiary chooses.

      • Parents with dependents. 50,000 Australians have heart attacks every year.
      • The main income provider of the family. 1 in 5 families are impacted by the death of a parent, or a serious accident or illness that renders a parent unable to work.
      • Business owners and key persons. Half of all men and a third of women will be diagnosed with cancer before the age of 86.
      • Tax Effective Solutions. Including readjusting superannuation
        structures is providing cost effective
  • Having Cover Can Help With

    • Mortgage and general debt payments

      Paying out liabilities to free up your assets.

    • Loss of Sales & Profits

      Protecting a business against the loss of sales and profits.

    • Shareholdings

      Providing funding to pay out deceased/disabled business owners shareholdings.

    • Maintaining business lines of credit

      Provision of capital to keep business

    • Providing an income stream

      Guarantee of future family income.

    • Home Modifications

      Providing funds for home modifications.

    • These premiums are generally not tax deductible unless they are held in conjunction with a Superannuation Fund, or have been taken out as key person (revenue) insurance (benefits may be accessible).

  • Why Us?

    We offer individually tailored solutions via a broad range of providers to meet your needs when it really matters.

      • Individually Tailored Solutions
      • Professional claims management service
  • FAQs

    Frequently Asked Questions for Life Insurance.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

    • Who needs this cover?

      Business owners and key persons, parents with dependents, those who have personal liabilities.

    • How much cover is needed?

      Everybody’s situation is different, we believe it is best to speak to a Financial Adviser who can help you choose the best
      level of cover that suits you, and/or review any of your existing insurance policies to make sure you have the right level and structure of cover.

    • I can’t seem to get cover?

      It may be a case of seeking professional advice to better analyse your current situation, the advice may provide you an avenue to a broader level and range of cover.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More
  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Chief Executive Officer

      Stewart Harker


      Daneille Crawford

      Manager - Client Services

      Gayle Herriman

      Manager - Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)