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Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
Complaints Handling
If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:
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Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
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Fresh industry attention on insurance affordability in northern Australia has reinforced a message many strata communities already understand: premium relief is not delivered by a single reform, even where government-backed risk sharing is in place. For apartment buildings, townhouse complexes and mixed-use strata schemes exposed to cyclone, storm surge, flood or severe rainfall, insurers are still looking closely at the physical characteristics of each building before deciding price, excesses and available cover. - read more
The agenda for the 2026 AFR Insurance Summit points to an insurance sector that is increasingly focused on affordability, technology, trust and operational resilience. While much of the summit is framed around the broader insurance market, the themes are highly relevant for employers, CFOs and directors reviewing corporate life insurance, group salary continuance, key person cover and executive protection arrangements. - read more
Fresh complaint trends across the Australian insurance market are another reminder that the real test of any policy often comes after something has gone wrong. While many disputes involve household cover, the same pressure points can affect tradies who rely on tools, vehicles, plant, public liability cover and income protection to keep work moving. - read more
The review of Australia’s Life Insurance Code of Practice has moved from a broad governance discussion into a more practical question for households: what should good insurer behaviour look like when people apply for cover, update a policy or make a claim? - read more
Australia’s financial advice reform agenda has moved from broad policy debate into the more practical question of how advice will be delivered, documented and accessed. For business owners, this matters because life insurance decisions are rarely isolated personal choices. They often intersect with debt facilities, director guarantees, shareholder agreements, succession plans and family wealth protection. - read more
Welcome to our comprehensive guide on securing your financial future in Australia. In a world of uncertainties, income protection insurance plays a critical role in maintaining your financial security and peace of mind. - read more
Income protection insurance is a type of personal insurance that provides financial support if you are unable to work due to illness or injury. It ensures that you continue to receive a portion of your income, helping you manage daily expenses and financial commitments during recovery. - read more
When life takes an unexpected turn, whether due to illness, injury, or other unforeseen events, the financial repercussions can be devastating. This is where income protection insurance becomes an essential component of maintaining financial stability. Income protection insurance acts as a safety net, ensuring that even in times of hardship, your financial obligations can be met, and your standard of living maintained. - read more
Welcome to the world of insurance – a domain where words like 'deductible' and 'premium' can significantly impact your financial protection and peace of mind. As a beginner, grasping the basics of insurance terminology is the first step towards making informed decisions about the policies that safeguard your assets and future. In this guide, we will embark on a journey through the language of insurance, which can often seem as complex as the policies themselves. - read more
Income protection benefit payments are usually based on your insured monthly benefit, your income before disability, policy limits, claim evidence and any offsets that apply. This guide explains the main factors that can affect how much may be paid during an income protection claim in Australia. - read more
Knowledgebase
Disability Insurance: A type of insurance protection that pays a portion of a person's income lost due to a total or partial disablement arising from either an accident or a sickness.
