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Welcome to Excellent Insurance

We are insurance brokers and not aligned with any insurance company or bank. We are here to help you decide whether you need personal insurance protection. etc


Our aim is to supply you with the best insurance at the lowest price.

The main types of insurances are


Income Protection

Income Protection

Income Protection insurance pays a replacement income if you can’t work because you are sick or injured.Determine why you are working, if you need the money, and how long you could survive with no income. Sure you might survive 6 weeks with a broken arm, but what about if it’s a long term problem, how much could you afford to lose.
Life Insurance

Life Insurance

Life insurance pays a lump sum in the event of your death or diagnosis of a terminal illness.This can be used for any purpose including paying the funeral expenses, Mortgage, other debts, kids education, living expenses for your loved ones, etc.


Trauma Insurance

Trauma Insurance

Critical Illness insurance pays a lump sum on diagnosis of one of the specific medical conditions such as cancer, heart attack stroke etc.Can you imagine if you were diagnosed, and had to take time off work for tests, operations, recovery etc, and then those specialist bills etc, a lump sum payment could be what saves you financially.
TPD Insurance

TPD Insurance

Total and Permanent Disability (TPD) insurance pays a lump sum if you are seriously disabled through accident, injury or illness and can’t work again. How can you afford to live if you can’t work, and what if your partner was required not to work to look after you as well?
Business Expense Insurance

Business Expense Insurance

Business Expense insurance covers you with a monthly benefit to reimburse you for a range of fixed business expenses while you’re not working and recovering from an illness or injury.This could cover the office rent, office staff; machinery lease etc should the business income stops.
Insurance through Superannuation

Insurance through Superannuation

You pay a lower tax to put money into Super and then pay your Insurances from your Super. There are some benefits and disadvantages and need to be structured for your personal situation.

Contact us today for your obligation free quote.

Get a Quote

Why Have Insurance?

Personal protection appears to be an area where “it won't happen to me” and of course it won't. It only happens to “someone else”, but what if the “someone else” is you.

What if you do a Molly Meldrum? Maybe it's not the Christmas lights, maybe it's changing a light globe, getting something from the wardrobe, just standing on a chair or tripping over the shoes left on the floor, and the next thing you (don't) know is you are in a coma for 3, 6, or say 12 months, or maybe you only broke your hip.

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Case Study 1

You may have heard of John Maher, he does talks on road safety. Why? Not only because he lost his 18 year old daughter to a car accident, but 13 months earlier, in 1993 he was in a car accident of his own, became unemployable at 42 and still suffers from it 19 years later and will never recover.

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Case Study 2

Another guy had a Bobcat accident, rolled it forward 3 times down an 40 metre embankment, got thrown out, broke both ankles, left elbow and arm, spent 4 months in rehab hospital, 9 months to walk again, shook his brain enough that took 4 years to have reasonable concentration, and 4 1/2 years to overcome his fatigue where he didn't need to have regular daytime sleeps as well as 12 hrs each night. He really wish he had some sort of insurance, as losing over $300,000 and his business, has really hurt, and he couldn't even get social security assistance.

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"Quality in a service or product is not what you put into it. It is what the client or customer gets out of it."
Peter Drucker

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