Disclosure
lifecovers.com.au is not a licensed financial services provider, an insurance broker, or an insurance issuer. We publish general information only. When you submit an enquiry, we pass your details to a licensed Australian partner practice. Nobody pays lifecovers for that referral: not the partner, not any insurer, and not you.
Our role
lifecovers is an editorial team, not a licensed financial services provider. These are the rules we enforce on every page.
We do
We do not
lifecovers.com.au is operated by TYKHE DIGITAL GROUP PTY LTD trading as Life Covers, ABN 40 636 813 057, registered at 100 Harris St, Pyrmont NSW 2009. Contact: [email protected].
We publish general consumer education about life insurance, income protection, total and permanent disability (TPD) insurance, and trauma insurance for an Australian audience. The content is editorial. It is written by the lifecovers editorial team and reviewed at least quarterly.
Life Covers does not hold an Australian financial services licence. Its role is limited to publishing general information and forwarding enquiries as described on this page. We do not:
The licensed party in any conversation about cover is the partner practice you speak with, not lifecovers.
When you submit our enquiry form, we forward the details you provide to a licensed Australian partner practice. The partner contacts you to discuss your situation and to quote cover if you want them to.
We refer enquiries to licensed Australian partner practices; each enquiry goes to a single practice. If our arrangements change, we will update this page before any change takes effect. The partner identifies itself when it contacts you and provides the disclosure documents required for the service it offers.
The partner practice holds an Australian Financial Services Licence or acts as an authorised representative of an AFSL holder, with the authorisations needed to discuss, quote and place cover. They are subject to the duties and disclosure obligations that apply under the Corporations Act and the Insurance Contracts Act.
Right now, we are not. lifecovers currently receives no payment of any kind for referrals: no fee or commission from any partner practice, and nothing from any insurer, whether or not you take out cover. The partner practice discloses its own remuneration in the documents it provides. lifecovers currently receives no payment for the referral.
If we ever introduce a referral fee, we will update this page and our sitewide disclosures before the change takes effect.
Under the current arrangements you pay lifecovers nothing: to read, to enquire, or for the callback. Insurance premiums and product costs are separate and are between you, the partner and the insurer.
When you submit an enquiry, we collect:
We do not collect health information at enquiry. We do not ask for income, super balance, or banking details. The partner practice asks for any underwriting information directly, with your consent, as part of their own application process.
Your enquiry is sent to a single licensed partner practice. It is not auctioned, not distributed to a panel, and not sold to any third party. The full detail of how we collect, store and share your information sits in the privacy policy.
Information on lifecovers.com.au is general in nature. It does not take into account your personal objectives, financial situation, or needs. Before acting on any information from this site, consider whether it is appropriate for your circumstances. If you want personal advice about your situation, the partner practice you speak with after enquiring can provide it.
If you have a complaint about content on lifecovers, email [email protected]. We acknowledge complaints within two business days and aim to respond substantively within 30 days.
If you have a complaint about the partner practice, the conversation you had with them, or the cover they arranged, contact the partner directly first. The partner is required to have an internal complaints process, and they will provide details of it on request.
If you cannot resolve the complaint with the partner practice, you can escalate it to the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme that provides free, independent financial services complaint resolution.
The lifecovers editorial team writes the content on this site. Our editorial discipline is to describe attributes rather than score products, to use plain English rather than authority-claiming language, and to keep the licensed conversation with the partner practice. We do not name insurers. The content rules are enforced before any page goes live.
We aim to review this disclosure at least quarterly and update it whenever the model, our partner arrangement, or the regulatory framework changes. The version date appears at the top of the page.